I had a special opinion initially of ICICI Bank - the second largest Bank in India. and that is why I had gone in for their Credit Card. I used the card regularly and used to make my payments regularly every month. Due to non receipt of the statements I couldn`t make my payments. When I enquired with them , they replied that they had some problems with their despatch/statements section. In the next billings they charged Late Payment charges, FOR NO FAULT OF MINE . This went on for alternative months. I refused to pay the Late payment charges and regularly called/wrote letters to rectify it. But to no avail. Last resort I wrote to their Chairman and shared this episode. The problem was solved with waiving of the Late payment charges. I fully adjusted my outstanding and cancelled the ICICI credit card. Secondly they used to call me on the telephone and send Executives(so called- unqualified/arrogant people) to my residence, who were arrogant and didn`t know how to talk and used to shout outside our home that I have not given card payment which effected my credibility and created wrong image/impression. This I couldn`t tolerate. So I said enough is enough with ICICI credit card. This was the worst experience with ICICI Bank Credit card and I won`t recommend the same to anybody.
PLEASE PLEASE DON`T APPLY FOR ICICI CREDIT CARD.