Beware of ICICI Credit card
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I had one transaction of Rs 20k, which was reversed 1 day before the billing date. The same is not reflected in the statement I didn’t pay since there was no due amount the due amount is reversed. But today i saw 885 late payment is charged. I complained to customer care, he said you need to pay minimum amount to avoid charges, since you didn’t paid the minimum amount you need to pay the late charge. he can’t reverse the amount.
Rs 2000 Credit on the card
Transaction amount Rs 20k 1st July, 2019
Amount reversal date on ICICI website portal 13th July, 2019
Billing date Rs 14th July, 2019 (It didn’t reflect in the bill)
Bill amount Rs 18k
Due date 1st Aug, 2019
(2000 Cr as per current outstanding as per their system on 31st July, 2019)
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Exactly! +1 
Reversal transaction was missed on bill statement. Escalate the issue to higher authority.
sent an email(could not complaint via website to nodal officer). my worry is only the CIBIL report. 100% on-time payment till now.
Same happened with @drupal and it was Axis bank then.
https://www.desidime.com/forums/dost-and-dimes/...
Looks like AXIS, ICICI bank trying to recover NPA losses from these charges.
I have never faced this problem with HDFC credit card. (Credits, Refunds etc are auto adjusted in bill amount)
Conclusion is that for banks likes Axis, ICICI, we should pay full bill amount to avoid any hassles.
As on today, Citi credit cards are one of the best credit cards. Most of the time, they reverse most of the charges if you talk to them over phone banking. Axis/ICICI/HDFC phone banking people do not have authority to remove the charges. The support software don’t give the option to reverse the charges. Only second level support people have that option.
ICICI bank has been principally cheater.
I had bitter experience with them about 18 years back, when they sent me a statement of about Rs 50 for some charges on my credit card account which was closed 2 years back. I provided them the detail of my account closure and no payment was due at that time and asked for the detail of what kind of charge that was, their cc were not able to provide me any answer other than that their system was undergoing some problems and they cannot get the detail. I continued to get the statement for next 6 months with late payment charges added but the stupid cheaters could not get me an answer what this charge was due for.
Eventually I paid them around Rs 200 to get rid of this and save my credit ranking. I decided to not to have any ICICI account in future.
But recently I got greedy with the features of ICICI Amazon pay card and went for it. Keeping my fingers crossed though………………
You are not greedy here – else we are all too 
Sent an email to senior management. They reversed the charges
yes the email route is always better.
@DaBomb how do you get categorised as wealth management status? Based on relationship value or by owning the sapphiro cards?
25L nrv or Sapphiro, emaralde & Diamant cc
I have Icici Amazon credit card and for total due of 15980 I paid only 15025 before the due date and they have added 1522 + 274 gst as interest charges.Anything can be done to reverse charges.
I thought I paid full as cred showed me total bill paid.Don’t know how it mislead me.
try requesting to ICICI nodal officer to reverse the charges mentioning first time human error. Also share the concern with CRED for showing wrong total due amount.
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Hey It’s rule in every credit card that You have to pay minimum due even if your reversals are more than due amount. If you don’t pay minimum, they every card would debit the charges. This process is followed by all credit card companies.