ICICI bank Gold Credit Card
Not settling my card properly and misguiding

I am customer of ICICI bank from 2003 I was given a savings account by ICICI and then it followed by HPCL Silver credit card. I had 32, 000 credit limit in this card. I used this card regulary and also used to pay in time. After some months I recieved a Gold card with Add on card to my home address with 72000 credit limit I was delighted as I was paying my dues on regular time so I got this previlege.

After 2004 mid I bought a car and around 10 - 12 thousand I paid from my credit card and other purchase went on to become around 40, 000 /- I made a mistake of just paying minimum amount to ICICI credit card guys. I shifted my job during that time and my salary used to credit late to my account which led to late payments and my card started showing 53, 000 outstanding within no time.By 2008 April I realised whatever money I am paying to guys is not making any difference to my outstanding and I thought of settlement. But I realised already my Savings A/c is been liened to this card and they already auto debited 7000/- rupees without my knowledge and I started calling all over after some tussle I received info that If I clear 20, 000 rupees tommorow my Savings A/c will be left alone. So I borrorwed some money and cleared 20, 000 and my account came to 47, 000 odd. Then I decided to call ICICI bank for settlement and I waited for 3 months to get a response at last a nagging agent dropped in normally all these agents come early morning and waste your time arguing as same guys dont drop in often so you need to clarify whole issue and its simply irritating. So this good agent dropped in said please speak to Mr. Anand Manager of Bommanahalli Branch he wll settle your account and we negotiated to 30, 000 Rupees and they informed pay 10, 000 now and rest 20, 000 once they give me No Objection letter. once I paid 10, 000 I asked where this 20, 000 which I paid last week will adjust he said no its not his hands so 20, 000 more only can get me letter I was happy to get a letter and get my headache over but to my surprise when I contacted this agent again he said he is still bargaining with Head office and wll get back which he never did and when frustration reached a level I called him 20 times but he never used to pick. I felt I was duped here and cant do anything my 30, 000 has gone into ICICI banks huge ocean and no one can give me account of this money now. After dealing with 50 - 60 agents in 2-3 months finally I got a call from Mr. Srikanth who said he is manager at bank and there are 80 bucket managers in Bommanhalli branch and he looked into my account and suggested he will surely get me 60 % waiver as I used to pay in time and have good records. I used to be in touch with him till last August and he suggested me 60% waiver on 56, 000 /- ruppes which comes aroudn 20, 000 Ruppees I also told him as I left my last company I will get my PF money I will pay and settle it. But August mid he met with accident and couldnt settle my account out and then went to Kerala his calls were not reachable. Now I have lost my mobile but with my old bills I have got his number and contacted him but there is no person named him its changed now. So, I donno how to tackle this agents who are coming to home and always harrassing my parents by asking money - their motto is get minimum payment from them and make my card reach 1 lakh mark and harrass me more. my card is reached 88, 000 now I dunno when it will be settled and now they will ask me 60, 000 which I cant pay as I lost my job and only have my PF to pay them.

Kapil Raj

Company: ICICI bank Gold Credit Card
Country: India

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