ICICI Credit Card
Salary account placed on lien

Dear Sir

I am having a salary account with the ICICI Bank. I also have two ICICI Bank Credit Cards. As per my knowledge, i have applied for only one credit card but they have issued me

two ICICI gold card of same variant.

I have some payment to this credit cards. The bank has placed lien on my salary account last month and took 45, 210.11 because I have not made payment towards my credit card.

Again this month they have placed lien of amount 73724.45. I have in no way given any written or oral approval for this anytime.

The bank has not given prior intimation about this.

Neither the ICICI Bank credit card department nor the ICICI Bank with whom I have a salary account have communicated to me in any way about the lien. I get all my bank related

communication by email, my bank statement as well as credit card statement.

I am a family person with two kids, I have to run my family based on my salary and i have no other income.

If the bank where my salary credited takes all that i earned, How i can run my family. Last month i adjusted by taking handloan from friends, that was the toughest month in my

entire life. I was just waiting for this month salary, and very pathic seeing my account is liened again.

I would like to know can a bank issue two credit cards of same variant to same person with out his concern (as i mentioned above that i only appiled for one card).

Does the ICICI Credit Card Dept. have the right to put a lien on my Salary account?

Please tell me how to proceed.

Regards,

Vinod Palli

Company: ICICI Credit Card
Country: India

  <     >