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Cheating by ICICI credit card

This is a discussion on Cheating by ICICI credit card within the Credit Card forums, part of the Loan category; Dear Friends, I made shopping with ICICI credit card and paid whole amount online on 07.06.2007 and by mistake I ...

  1. #1
    Unregistered Guest

    Default Cheating by ICICI credit card

    Dear Friends,

    I made shopping with ICICI credit card and paid whole amount online
    on 07.06.2007 and by mistake I deposited a cheque too ,of equal
    amount to clear the same shooping bills which I made by ICICI credit
    card
    To avoid this duplication of payment I sent a online request for STOP
    PAYMENT of cheque which was immediately accepted but on 13.06.07 I am
    surprised to see that a PENALTY has been imposed to me by ICICI
    credit card merchant banker (Not by bank) for CHEQUE DISHONOUR the
    payment which they have already received online.
    I have talked to ICICI credit card/bank customercare on phone and the
    response was very pathetic,
    This amount is nothing for me but the way I am being CHEATED is not
    at all acceptable to me,

    My simple question is when there is no co-ordination between two
    section of ICICI (bank and credit card) then why I should be
    penalised???

    Hope learned members can share their valuable suggestion whether I
    can file a case in consumer court for deficiency in service??

    Regards,

  2. #2
    Unregistered Guest

    Default

    Similar thing happened to me couple of months before. I called customer
    support, when i didn't proper resonse & attention, i blasted them over the
    phone (politely) & threatened that i'll cancel my credit card (I'm using
    ICICI credit card since last 5 years). Immediately they reverted back that
    amount with an apology note.

    I hope that will work with you too. Because of competition in the market,
    credit card companies/banks don't bear the loss of existing customer.

    Good luck

  3. #3
    ankurdhaliwal's Avatar
    ankurdhaliwal is offline Junior Member
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    Hey frnd

    welcome to our forum, i have complete knowledge of your complaint, let me just tell how it all works, if i am getting you right you made double payment by mistake, one by cheque and one online, and after that you gave them instruction to stop payment.. sir i would like to tell you whenever you put a check to other bank for payment, the other bank pays certain amount to your bank to get that cheque cashed, and the penalty they are charging you is of that amount, even if you have called them and canceled the transaction but still its ICICI bank, a big bank with lots of business daily so they must have already contacted you bank for cashing it..

    I will suggest you to write to them and dispute the cherge they put on you, i am sure that if possible they will revert back the amount, otherwise you need to pay the penalty because what they did is absolutely as per banking policies, every other bank will do the same if u put a stop payment on cheque, read the instruction they sent you at the the time you got credit card...

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