Won't ICICI Bank Help me ? :(

i think cibil wont be affected as you paid your due in 90 day of the due date passing. 

Try talking with your relationship manager. He may have solution for this. You have the option to talk with relationship manager in imobile app in me section.

CIBIL won't have any effect..

Don't burn your blood for 2K... Track your spends and payments properly in future... This is the very reason I make payments on all my CC in one go at the start of month. Things are easy that way .

Check with RM/ CC department and ask for card closure .(anyways ICICI don't offer much benefit ) and hopefully they might agree to reverse the charge else close .

Leave this and moved ahead.. bank will not going to refund it. Personal experience with axis, one card.. they will tell they can't do anything.. system does not allowing them..

1. Did you Pay back them (5,500Rs) within 3 days of the Due Date? If No, then Legally you can't do anything
2. If you paid, say after 15 days then they will levy the charges because I guess that's what their TRUE Credit Card Business is, Bank will earn more when people forget their bill payment and the bank will impose their charges because NPA (Defaulters are not going to pay them so, it's their loss in some cases but if a person has a good CIBIL and earning ability like you and me they will surely make hefty of charges ...
3. If you paid within 15 days, According to your Relationship with Banks and Financial History (CIBIL ), they should give you Flexibility to a certain extent.
4. I have seen some of the dimers who got there money back (those charges) with kind of relationships that they had with the bank

Write an email to grievance officer about your scenario. In my case axis bank refunded late fee after writing to grievance officer.

This is scary. It has happened with me too. For me in place of ICICI, it was Amex.

Ur ruining credit score i think pay asap n settle with them later

Upar wale ki kripa bhai.........
Karm karo phal ki chinta na karo

😉😉

I recently had such case with HSBC and I had forgotten to pay 5k from total due amount. They charged approx 6k as financial charges including GST. Requested thm to waive the charges off, they reversed the charges excluding GST.

Bruh If CC bill is paid in parts via several portals/gateways,one should check total due amount on due date to be on the safe side.Setting reminders help a lot.Didn't Cred notify you about the same ? 

As @shraaj has already mentioned credit card issuers can report an account as “past due” to credit information agencies or levy any penalty only if the credit card account remains “past due” for over 3 days.I hope it will be resolved soon.

Best solution would be to use cred.they keep track of all credit card and dues even if u pay from some other app as soon as card account credit sms received cred  keeps track of the amount paid and there is an option to minus that amount from bill.

It won't hurt your CIBIL .

Asuming you had already paid minimum amount due before the due date.

I use Khatabook to keep track of bill paid. First as soon as statement is generated, I will enter total amount as RECEIVED in Khatabook.

Then whenever I pay at various places IMMEDIATELY, I enter as GIVEN in Khatabook.

To keep track of credit card bill paid reflected or not, I use Google KEEP NOTES.

Heading contains: CREDIT CARD NAME

First line contains: CURRENT BALANCE,

Second line contains: EXACT BILL PAID separated by Comma.

Once any of the paid amount updated in credit card delete that in second line and update balance in first line.

NOTE: Pay different amounts to keep track easily.

Example, To get cashback you might be required to pay minimum 1000rs for 3 times. Just pay 1001rs, 1002rs, 1003rs like that.

CIBIL is affected only when the minimum due amount is not paid by due date, but you have already paid the minimum due so far. 

Also, reporting of payment default to CIBIL is no longer done manually. all statement dates, due dates, actual payment dates are recorded electronically and available for scrutiny. Reporting of payment defaults and impact on CIBIL score are also captured by automatically scrutinizing the electronic data shared by the bank to these agencies.

I have also missed one of my CC payment date due to oversight/misunderstanding which still reflects in my CIBIL history of over 25 years. ICICI did not waive off the interest charges inspite of my having a wealth mgmt salary account and a 7 figure credit limit. 

I don't expect any relaxation from their side in your case as well.

We have to understand that Perhaps these are the only sources of income for them to run their credit card business in India.

If you pay the amount within the grace period of 3 days of time your credit score won't be affected. Talk to RM they should be able to reverse the charges citing it's the first time with your long standing relationship with the bank. I've had friends who got it reversed and myself got reversed from CITI bank once. So, please pay it immediately and call them to reverse it. If it's not your important cc you can try asking them to close if the charges are not reversed. Hopefully, they should reverse. Good luck.

You paid 29K out of 34.5K bill. So there will be no effect on cibil as of now. 

Bank is entitled to levy financing charges. FOR current month you have not paid that amount. So your current month bill is also not fully cleared. Unless the bank reverses the charges, there will be future problems if you do not pay this amount. 

Citi is very considerate...once i paid amt shown previous amt column accidently.... they reversed my charges

How to contact the ICICI customer care for cc

?if any one knows the number then share here

Pay all the current outstanding on your card immediately. if you have paid the min due amt before/on due date then no impact on cibil but interest will be levied on entire amt from the day of txns for all txns in that statement for which you only paid even Rs.1 less than total due amt on/before due date & it will apply to all future txns on card too unless you clear all the outstanding dues. On request bank may reverse the late payment charge but that is not applicable in your case because it only applies if one hasn't even pai min due amt on/before due date. There is RBI mandated 3 days grace period after due date which some banks follow automatically & for some you need to raise a complaint so don't rely too much on it except in emergency. Just think of this as a lesson & understand why some ppl only keep 1-2 credit cards as sometimes the extra offers/benefits is not worth this hassle. Keep your all cards statement generation date around middle of the month & make it a habit to pay everything at the end of the month.

You have paid the minimum due on time. That's a step better than no payment. CIBIL should not get effected but only time will tell. 

Generally call to customer care is enough to waive off the charges as first time waiver is a regular thing. It may take multiple calls to get someone knowledgeable about this at the other end. Also try writing email to customer care.

BM has the highest authority in branch (obviously). Talk to him and ask to waive off the charges as a one time favor. He might say that he can't waive GST, which you should be okay. 

Having multiple cards is not at all an issue. The issue is greed and trying to squeeze every possible penny. The more you try these shenanigans, the more they become unmanageable.

Tracking expense from different card was getting tough for me then sbi cashback card came as saviour

Cred dont track all cards bill.. sometime not track payments also..

Lesson for 2k.. only icici can help.. try diffrent lvls of customer cares.. normally i pay and calc on calculator.. maybe brain miss calc.. so you will know how much you paid and remaining. I have around 15 cc to manage including wife cc..

I do payment on time no delay but I don't know my cibil score down by 6 no. In a month in. November its x+6 but i checked today it's x only ☹️ why my civil is reduced how to check how down the my cibil .

Well, i still don't understand why would the bank levy charges when the RBI guidelines say that these charges need to be levied only if it remains due past 3 days of due date. Since you have paid within this timeperiod, i assume  that they shouldn't have charged you at all. You can check with customer care and try stating this and get the charges reversed.

Another way is to threaten them to close the card. Similar thing had happened to my dad a few years ago and he was charged despite he had made the payment on due date itself. The culprit was hdfc netbanking itself which took 2 days to reflect the payment. In this meantime, the bank levied charges and after a few words, there were not ready to reverse the charges. At this my dad said if that's the case please.close.my card and then they suddenly accepted for reversal of charges.

Download KhataBook App and you can manage cc very well😌