I am an ICICI Bank Credit Card customer for more than 5 years now. Iwas issued a silver card back then and was upgraded to Gold Card 3years back owing to my clear credit record. I am a Gold customer sincethen and have maintained the same clean record.
Last month, I forgot to make the payment on time (just slipped out of my mind) and made it 2 days late. Two days back, I received my bill on which I was slapped a Rs. 400 fine and some service tax on it, taking the total toRs. 440 something. When I called the customer service.
I was told that bank is not considering any reversal. I asked to speak to the managerand was told as he is busy with some other call, I cant speak to him. Itold the customer support guy to atleast take my complaint which hedid. I was given the assurance that I will hear from the bank about this by next day end of day.
Since I did not receive any reply, I called the helpline once more and told my case. The phone agent told me that no complaint was lodged on Friday and no communication is pending from bank’s side. I was shocked to say the least! The previous guy had blatantly lied to me. I told this person about fine reversal and he too told me the same about no reversal being possible. I told him, well in that case ICICI should cancel my card and I will clear the outstanding without paying the fine. Then I was told to hold the line. After 3 to 4 minute of holding the line, I was informed that my reversal is accepted and a confirmation SMS will come to me within an hour. I also lodged the complaint against the personwho bluffed me on my last call on Friday. Lets see what happens.