https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9236023
No chance for any refund of late payment fee.. better pay else it will keep rising
Icici late payment fee and interest
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Forgot to pay my icici cc bill of 10799₹.
last date was 7th april. Now when this month bill generated came to know about the missed payment. They have charged 900₹ late payment fee and 162₹ gst. Also they charged 660₹ interest and 121₹ gst. Is there any chance to get the refund of late payment fee!!!
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https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9236203
Pay the full bill. Ask the customer care for some concession stating that this is your first time mistake
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9236323
since many days have passed, your reversal is tough to come but if it's your first mistake then try asking them. meanwhile make the full payment if not made already
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9236409
Clear all the outstanding first, then fight with them for charges.
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9236625
monu.tanwar123262 wrote:<p>Clear all the outstanding first,Clear all the outstanding first, then fight with them for charges.
Just cleared it out for you. Don't advice such things please.
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9236646
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9237501
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monu.tanwar123262 wrote:I think Faug meant that the OP must not "fight" with customer care since OP has clearly admitted that it was OP's mistake. Instead a "request" might be a better option explaining that it was a first-time mistake. Customer care is also a human trying to do her/his job.
advice what?
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9237507
The OP's mistake is exactly why I enable auto-debit for the full amount on all my credit cards. I always pay my credit cards a week before they are due and thus the auto-debit never kicks in.
I did this after I mistakenly made a partial payment (a couple of thousand rupees short on full dues of over 2 lakhs) and was charged an eye-watering interest amount on the full dues. I requested the customer care to reverse it as it was a first time mistake. He did reverse it to the maximum limit he was allowed to. He suggested to enable auto-debit to avoid this in future.
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9237516
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dexter_greycells wrote:
I think Faug meant that the OP must not "fight" with customer care since OP has clearly admitted that it was OP's mistake. Instead a "request" might be a better option explaining that it was a first-time mistake. Customer care is also a human trying to do her/his job.
Thanks for the detailed explanation. Kg
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9259512
bikidas2060 wrote:thanks a lot, bhai, it worked, they have refunded all the charges.Pay the full bill. Ask the customer care for some concession stating that this is your first time mistake
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9259586
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9259588
dexter_greycells wrote:having only one saving account in hdfc, for which auto pay already enabled. having 8-9 cards of other banks for which auto debit not possible. had maintained a sheet but for got to check that too.The OP's mistake is exactly why I enable auto-debit for the full amount on all my credit cards. I always pay my credit cards a week before they are due and thus the auto-debit never kicks in.
I did this after I mistakenly made a partial payment (a couple of thousand rupees short on full dues of over 2 lakhs) and was charged an eye-watering interest amount on the full dues. I requested the customer care to reverse it as it was a first time mistake. He did reverse it to the maximum limit he was allowed to. He suggested to enable auto-debit to avoid this in future.
https://www.desidime.com/discussions/icici-late-payment-fee-and-interest?page=1#post_9259929
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mjuneja13 wrote:You can set up the "8-9 cards of other banks" on HDFC BillPay portal for Auto-Pay. From my experience, except IDFC every other bank (including Citibank, ICICI, Kotak Mahindra, Saraswat) are supported.
having only one saving account in hdfc, for which auto pay already enabled. having 8-9 cards of other banks for which auto debit not possible. had maintained a sheet but for got to check that too.
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