ICICI
Amount debited from my salary account for non payment of credit card

Sir,

My salary account has been frozen and a sum of appx 12000 /- deducted from the account. The account shows negative balance.

While talks were going on for the closure of my credit card, since I have been under enormous financial constraints. How can the bank expect to be paid back if my account itself is frozen?

I believe the RBI does not permit this action since the Credit card is an unsolicited offering. Also since I had already expressed my desire to clear my debt, but the bank itself kept enhancing interest even after repeated requests of closure.