ICICI Bank Credit Card
Credit Card Payment

Customer Name: Gagan Malik

Credit Card No.: 4477... 2006

Contact No.: 09891250250

Outstanding Amount { Oct}: 3824/&-lt;br />

Deposited Cheque Amount: 3900/&-lt;br />

Cheque No.: 911065

Drawn on: 14th Oct

Drawer Bank: Vijaya Bank, Khureji Khas, Delhi

This is in reference to my above-mentioned credit card payment for the month of September falling due in the month of October. The total amount generated was Rs. 3824/- and a cheque vide no. 911065 dated 14-10 drawn on Vijaya Bank amounting Rs. 3900/- was dropped at your Luxmi Nagar Branch {Maharaja Banquet, Luxmi Nagar, Delhi}. But, when I got my next billing statement generated for the month of November there had been “Late Payment Charges” and “Interest Charges” amounting to Rs. 728/- approx. citing reasons that your last payment has not been received.

The statement was received by me on 03-11, but why I had been started off getting calls from your end before the statement is received by the customer at least. And, also to mention that once you have applied late payment charges or interest etc, then why it reflects that an IMMEDIATE payment to be made, given that next billing cycle/payment due date fall in the mid of November. There had been at least two three calls a day to make a payment, even before I could have received my statement as and when it falls due. Also it was found that my cheque has already been received at your end before the stipulated date and if there had been any delay after that, it’s the default at your end. If any of the default is at the customer then he/she should be intimated well in advance so they can look out for possible solutions. I think this is the reason why all details such as name; contact information etc. is mentioned on the cheque, so as to let them know if there is problem on their part.

It had been more than 15 days that cheque has been lying at your branch but I had not been intimated of the same. The cheque should have been returned to me in time or my local bank or me itself should have been intimated from your end. Also the messages that a customer gets in regards to the payment deposit clearly says “Please deposit so and payment …. And ignore the message if already paid.”, but nowhere down the line it reflects about any of the discrepancies on customer cheques, the reason which your department has cited. Also if I would have known about the issues in time, I would have either made the payment in cash or issued another cheque so as to avoid any of the charges that have been applied. Nowhere down the line it’s a customer default and therefore you are requested to resolve the issues as early possible.

Company: ICICI Bank Credit Card
Country: India

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