ICICI Bank
Getting bill and legal notice for no credit CARD

Hi Sir,

I applied for ICICI credit card last year. but it never came to me.

They try to send it to my place one but i was not available that time.

I also aplied for ICICI lombard policy along with this.

Now i am getting bill for CARD payment with late fees sothing around 9700 RS.

I want to know how can they deduct money from card if it not reached to me. and not activated. Or it is was preactivated.

And worst thing is I never seen face of the card. I don't know the card is green or blue.

Now they send me legal notice from lawyer saying strict action will be taken against me if I not pay due amount.

I am very much worried about it. I am not so literate. I don’t know much more about legal steps.

I don’t want to pay 9700 RS.

Can you anybody guide me.

I will be very thankful to you sir.

Thank you very much.