I am using the ICICI credit card(5176 xxxx xxxx 1004) more than two years and i use to pay the amount properly before/on the due date 4th of the respective month.(date, Month). My mode of payment is cheque and use to drop the cheque before the due date. More than two years i am paying in this mode only.But this was happend recently on the month of may. Like every month i dropped the cheque, the April month cheque was dropped properly on the last day of the due date. But in the may month bill they mentioned some late payment fees and interest charges(Rs.1001.27),so i called up to customer care ans ask them i paid regularly then why you put those charges,they said they didnt recieved the cheque on proper time so for that reason they put these charges.I asked them i have dropped the cheque on last due date then how its be the late payment??? at that time they have mentioned if it is non-icici bank cheuqe have to drop before 5 working days,i got shocked and ask them am paying like this for past two years, previously they didn't put any charges but why this time?

My question is if you are saying that the cheque need to drop drop before 5 days, while you advertising why you advertise like we have this much days of grace time??? They said for cheque mode this will be the option. So my next question do you ever mention this anywhere in the bill??? they said you have to know that and pay the cheque before 4-5 days. Then i argue with them like without mentioning anywhere how the customer will know this??so i ask them to waiver the late payment and other related charges.They said, for full waiver i need to discuss with the manager,once the manager give approval will do that and it will updated via sms.so i relaxed. A month gone, june month bill came again that month they have added some interest charges again i called up to customer care and ask them they said the extra amount will be reversed soon and it will be update via sms. so i said them clearly i will pay the amount which i used,the person said okay sir,goahead. so i paid tha june month bill properly. Now i got the july month bill again they mentioned the interest charges from the month april to till now Rs.1938 i got shocked and called up to customer care today they said these are the interest charges you have to pay this month if you skip the charges then again next month interest charges will be higher.

July month bill is 3,446. I have used only 1508 . Rest of the amount will be the interest charges Rs.1938

My concern is they are simply scrapping the peoples money. i ask them to waiver the rest of the amount fully,but dont know what they will do for next month,hope i will get some proper justice through icomplaints.people please aware of this credit cards otherwise they will cheat you easily be aware!!!!


Note:In this month bill they have clearly mentioned about the expected time lines for cheque clearance. In last month and previous month bills they didn't mentioned about anything. I have the proof for this.