I have heard from many but when I personally get experienced I am really shocked..!! yes, I am talking about ICICI credit cards. There are lots of hidden charges, interest rates, and other fess, which they dont tell us before getting the card. I was forced to take the card from the ICICI credit card executive. When I used that card I got a call from the customer service from Mubai stating that my purchase will be converted to EMI and interest rate is very low as 0.8%, that was a Dewali offer. I agreed for that adn my monthly EMI was Rs. 1650/- but later after two months it went to then later 4000, when I asked there was no proper response from them and I said I wont pay any more EMI better preclose my payment. I ready to pay the remaining amount, but the manager was so cruel that he imposed all the fines and tax that my actually balance was only 8, 000 odd but he asked me to pay 14, 000/- I said I cant pay that amount and I didnt pay any more EMI. That amount multiplied after 7 months and now the outstanding shows Rs. 35, 000/-. Can you imagine?? My actual credit limit was Rs. 21, 000/-. The people who are willing to pay promptly they feel its waste to continue with ICICI. The service is very poor. I had Rs. 8700/- in my account and I had applied for personal loan in CITI finance and the amount was sanctioned and was credited in my account. The amount was Rs. 17, 650/-, which I kept for my parents medical allowance. Before I could take teh amount, my balance was zero '0' Rs.17650 Rs.8700/- was auto debited from my account. Do they have hearts?? Why do people like us from middle class apply for loans. ICICI bank didnt have a courtesy to inform or ask before autodebiting. They took as if its their own money. This has to be taken as an serious issue.
They also send me an ICICI lombard insurance which I didnt apply for and asked to cancel, they to agreed but no steps taken instead my amount was debited each and every time.
I don't no why this is happening. Without my consent how they have deducted and charged from my credit card.
I wrote several letters and emails to them, but i think, if this is the way to run ICICI bank credit card division than this is one of worse experience i have. I also emailed to ICICI customer care regarding the same and urge them to stop the credit card from immediate effect.
Its not great to grow big but WHAT MATTERS IS to show consumers that they really mean to service in spite of growing big. I only hope ICICI wakes up sometime to deliver service PROMISED to people for them to really rely on their motto " hum hein na.."
WILL I GET MY MONEY BACK??? OR IT SHOULD BE CONSIDERED AS THEFT???
Beware of ICICI Auto Debit!
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