@guest_999 @Bk100 @BlueFlash @kukdookoo - Please tag others.
Came across the following regarding ICICI credit cards. Thought of sharing, as it was typed:
"CC overlimit fees- though I did not cross the limit given. I have HDFC Credit Card (Primary use), ICICI Credit Card (rarely use it). I found some offer for a hotel booking on ICICI Credit Card and went with it. The card limit is 25L, however I put 50K limit for online transactions to prevent downside if a fraud occurs. For this hotel booking- I had to increase the limit to above 50K, made the transaction and then decreased it back to 50k. I do such thing with HDFC card many times, it works. But ICICI charged me some INR 8000 including 18% GST as over limit fee, I contacted customer care- they informed me since I reduced the limit to 50K within 48 hours of transactions, before transaction was settled at merchant side, ICICI charged me overlimit fee. They reversed 5K since then on my ask, but I ended up with ~3K charges. I reached out to so called RM, didn't receive any response yet. Sharing here in case you have any other idea/option I can exploreMarch 24: ICICI bank reversed almost all charges i.e INR 7200 except for INR 800 GST, call center and RM denied any possibility of reversal, I gave up hope, stopped follow up, however last week ~INR 2300 credit reversal and GST charges were posted. I lost ~18% GST on INR 5000(the first reversed amount)"
Crazy loot for ICICI
To prevent the fraud they given option to set limit and then
8k for overlimit charges
If card limit exceed then they should charge but for daily limit they charging
Unfortunately 8k for this type of limit exceed Is unacceptable
Even though they refunded 7200 next time they won't
Highlight to RBI/Ombudsman if possible
Few years back, I had a analogous experience with an international transaction, wherein I keep the int. transaction off, and while doing the transaction switch it on, and then once done, back to off... however, since the settlement happened after like 2-3 days, and at that time, the transaction was off, the bank declined/reversed the transaction, and so the merchant had to cancel my order even post-processing payment... don't recall which bank's cc it was though, felt kinda weird and stupid to me...
BlueFlash wrote:Few years back, I had a analogous experience with an international transaction, wherein I keep the int. transaction off, and while doing the transaction switch it on, and then once done, back to off... however, since the settlement happened after like 2-3 days, and at that time, the transaction was off, the bank declined/reversed the transaction, and so the merchant had to cancel my order even post-processing payment... don't recall which bank's cc it was though, felt kinda weird and stupid to me...
I was doing the same with my icici and idfc credit cards oflate. "Switching" them on/off as and when desired. Though this settlement part is indeed new food for thought.
dlhntr wrote:for fraud protection online/offline cc usage can be set. but changing the cc limit is different thing. as far my knowledge no other bank provides option to decrease the limit.Crazy loot for ICICI
To prevent the fraud they given option to set limit and then
8k for overlimit charges
If card limit exceed then they should charge but for daily limit they charging
Unfortunately 8k for this type of limit exceed Is unacceptable
Even though they refunded 7200 next time they won't
Highlight to RBI/Ombudsman if possible
What is this, a new competition among all major cc in India to see who can left behind sbi & axis in the race to the bottom. First, that 50 paisa BoB min due & now this.
akki.akki wrote:
for fraud protection online/offline cc usage can be set. but changing the cc limit is different thing. as far my knowledge no other bank provides option to decrease the limit.
In OPs case when txn of 50k+ got settled cc limit was 50k which eventually lead to over limit.
now question arises... if someone decrease the limit for icici cc will icici reports the decreased cc limit in cibil also ?
Op have 25lac limit
He set 50k for online transaction limit
Here in this case he modified limit and used and again set back to 50k for online transactions to prevent fraud.
Originally card limit 25lac still
guest_999 wrote:someone missed logic while coding, once txn goes thru how changes in limits is relevant to that txnWhat is this, a new competition among all major cc in India to see who can left behind sbi & axis in the race to the bottom. First, that 50 paisa BoB min due & now this.
dlhntr wrote:for fraud protection there are option to change the transactions limit for both domestic & international.Op have 25lac limit
He set 50k for online transaction limit
Here in this case he modified limit and used and again set back to 50k for online transactions to prevent fraud.
Originally card limit 25lac still
caks2006407 wrote:not just coding, requirement & testing as well.
someone missed logic while coding, once txn goes thru how changes in limits is relevant to that txn
This is a whole new different level loot by icici.
Thanks Bro I Will Alert Friends To Use Only On And Off Button After Transaction Completed Instead Of Moving Bar...
What About Emi Auto Deduction 
For Bar Movers 
??
Really it's unethical charges, need to be refunded fully please provide a written complaint to nodal officer
Yes. They peculiar about this credit limit thing. So i not tinker with my full limit. Instead sets per transactions limit and after transactions over I disable online transactions. I mobile offer online on or off button for enable or disable online transactions. It is pretty easy for me.
Keep posting in all social media and tagging ICICI bank. Spread the light of knowledge.
Pay peanuts to Devs and QAs and get monkey testing. Cite the internal policies if reported, walks away silently.
BlueFlash wrote:Few years back, I had a analogous experience with an international transaction, wherein I keep the int. transaction off, and while doing the transaction switch it on, and then once done, back to off... however, since the settlement happened after like 2-3 days, and at that time, the transaction was off, the bank declined/reversed the transaction, and so the merchant had to cancel my order even post-processing payment... don't recall which bank's cc it was though, felt kinda weird and stupid to me...
I did the same with my onecard, switched off the international transactions immediately after approving the required transaction.
I think now we have option to disable over limit facility. Can you please check whether it is disabled. If yes then in whatever way they are not authorized to charge overlimit fee
Bk100 wrote:Yes. They peculiar about this credit limit thing. So i not tinker with my full limit. Instead sets per transactions limit and after transactions over I disable online transactions. I mobile offer online on or off button for enable or disable online transactions. It is pretty easy for me.
I think @Ramta_Jogi Also Changed the online per transaction limit, still he got charged even when his total Credit Limit was 25L
navkr wrote:I think now we have option to disable over limit facility. Can you please check whether it is disabled. If yes then in whatever way they are not authorized to charge overlimit fee
Bro read carefully what he wants to say you don't understand 
hope you understand
Vaastav wrote:I think @Ramta_Jogi Also Changed the online per transaction limit, still he got charged even when his total Credit Limit was 25L
You should read the post again, line by line. Word by word
Ramta_Jogi wrote:"" however I put 50K limit for online transactions to prevent downside if a fraud occurs ""You should read the post again, line by line. Word by word
Kumarparo wrote:Bro read carefully what he wants to say you don't understand
hope you understand
I understand man. In iMobile you have option to manipulate your credit limit within maximum limit assigned. I haven't seen this feature with any other CC provider. Now he used to decrease/increase credit limit instead of transaction limit. While doing transaction he increased the limit as per requirement did the transaction and decreased the limit. When transaction was settled transaction amount was higher than the assigned CC limit set by OP and on that basis ICICI charged overlimit fee.
Vaastav wrote:
"" however I put 50K limit for online transactions to prevent downside if a fraud occurs ""
You didn't Mentioned Which limit you put. There are 2 Types of Limits on ICICI. One is Spend Limit and Other is Per Transaction Limit. If you reduced the Spend Limit From Back to 50k After doing Transaction Greater than 50k Then All the charges you said are genuine and should occur and If you put Per Transaction Limit Back To 50k Then You Shouldn't be charged a single Rupee as Your Credit Limit of 25L stays unchanged.
Again read the post. I have no idea what you are talking of.... And to whom you are referring and as to why you are tagging me repeatedly
Ramta_Jogi wrote:Again read the post. I have no idea what you are talking of.... And to whom you are referring and as to why you are tagging me repeatedly
Sir I'm referring to you this time. You didn't tell Which Limit you Changed?? Did you changed your Spend Limit Or Per Transaction Limit??
Crazy loot for ICICI
To prevent the fraud they given option to set limit and then
8k for overlimit charges
If card limit exceed then they should charge but for daily limit they charging
Unfortunately 8k for this type of limit exceed Is unacceptable
Even though they refunded 7200 next time they won't
Highlight to RBI/Ombudsman if possible