I have been maintaining this credit card (ICICI BANK BIG BAZAAR CARD) account relationship with ICICI bank for quite some time but this card has not been very actively used for quite sometime. Whenever it has been used, prompt payment has been done.
But, there has been one such transaction which happened in year Mar’2007 for which payment was done in April’ 2007 after receiving call from ICICI BANK call centre. The ICICI BANK call centre personnel informed me the outstanding amount of Rs. 1000/- in total (for a transaction for which I never received the Credit Card statement).
The ICICI BANK call centre personnel informed me that I have to make a full and final payment of Rs. 1000/- for a transaction incurred on this Card.
Hence, I checked the details and made the payment of Rs. 1000/- which was debited to my account. The details of the debit are as under:
03/05 ICICI CC 4477469862018002
959271 1, 000.00
There was a surprise in store for me when I contacted ICICI Bank telebanking executives for cancellation of my additional cards which are issued unsolicited by ICICI Bank. They informed me that there is an outstanding against this card. They were not even willing to give the details. They told if I need previous un-received statements, I need to pay for each statement.
I was further shocked to see the latest statement which has been an example of not banking but USURY.
As per the latest statement I am supposed to pay over
Rs. 8, 000/-.
In this connection, I request the BANK to clarify the following:
1. I fail to understand when I have paid in full for the transaction done by me, why there is any outstanding against my Card a/c.
2.Why the bank is not sending the Credit Card statements in time?
3.If the Bank says, I haven’t paid in full, then how and why the ICICI Bank Call centre personnel is giving erroneous information about amount outstanding and the full and final payment supposed to be made by me. Is this a ploy to trap people unaware and then practice USURY instead of banking?
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