I have a ICICI Bank credit and from last 2 months I am being levied extra late fee and over limit charges despite paying all the necessary dues. I have not being using the card for any transactions of my own and making all payments in time but just cuz they claim that they dint receive 1 payment in time, they have been laving over limit charges for 3 months running now.
I had dropped the above mentioned cheque in there ATM drop box before due date, now just because it was not creditted on the due date. Even if it could be there internal cheque pickup issues**.Now the 10% Interest Rate
My card limit is 24k, regular interest rate 3.5% Late Payment Fee 400 plus taxes Overlimit Fee 500 plus taxes And this is continuing every month. Now even after repeated calls and emails no one is ready to listen and do anything. Can somebody suggest a way to get out of this mess.*