Hi,
I have had a very bad experience with ICICI Credit Cards in my life. Way back in 2008 when I joined TCS there used to be lost of sales guys approaching us to get a ICICI Credit Cards. I applied for one and got it. The very next day I got the credit card I got a message on my mobile saying that they had taken an certain amount for ICICI lombard Insurance. I called them up and yelled, Put a series of mails and got the the transaction reversed. Then I wrote to ICICI grievances cell asking them to cancel the card. They never cancelled it. Instead they send me another new card and also a statement saying they have given me 100 reward points. I put both the cards in my Cards Wallet and never used it for 4 Years.
My salary from TCS used to get credited with HDFC Bank. I got a HDFC Bank Credit Card. And I am extremely satisfied with the service. I have the habit of having all accounts with one bank. So that it is easy to remember passwords and also track expenses.
Now last month I shifted to Infosys. Infosys has there salary accounts only with ICICI. I gave a thought of using the unused ICICI Credit Card again and Link it with my Salary Account. Guess what not even 1 month of using it, I am again having problems.
On 24/7/2013 I swiped the card for a sum close to Rs.29,000. Here in a shop in Chennai. The card got declined. I called up the customer care. The lady with a sweet voice said that as it the first time you are swiping the card and that too as it was a large sum of money it got declined. Ok it was acceptable. I told her that I would be using ICICI Credit Card actively so please don't until I block any transaction. I paid the rest of the money with my HDFC Credit Platinum Plus Credit Card.
Yesterday Again I went for shopping to buy articles for my new home. I tried making 4 payments of Rs.6,147/- , Rs.669/-, Rs.1936/- and Rs.9144/-. ICICI Credit Cards blocked the 4th Payment of Rs.9144/-. They blocked it even though I had a solid limit of Rs.26,248/- still left on my credit card. I called up the customer care and the lady says that I can only swipe the card 3 times. And if I swipe it more it will get blocked. I was shocked to hear such a thing. I had planned for dinner with my friends yesterday. I had keep the shopkeeper waiting at time of closing the shop, bear the awkward looks of other customer rush to a near by ATM get cash and pay my bills.
When I joined Infosys, Hyderabad last month. ICICI guys from Infosys Gachibowli approached me for a coral card as my take home salary was above Rs.50,000 P.M. I was thinking of getting it after I get posted to Chennai. But now I understand what I should do.
I really don't know why ICICI is acting foolish. I have a very good CIBIL score of 820. I have not defaulted on any loans or credit card payments with mt previous banker HDFC. Still they put me some awkward situation in front of friends and in public declining my card.
You can verify my details online at CIBIL. My Name is Narendran Kishore. My Pan No - AFZPN0131M. And my registered phone number is 98942 52069. What is ICICI Credit Cards answer for this ?
And here at the cosumercourtforum. 7 out of 10 complaints are against ICICI Credit Cards. Its high time you guys understand your stupid business model.
I am also planning to write to Infosys to bring in another suitable bank to serve the employees of Infosys in better way. I think that will only be the solution to set things right.
Thanking You
Narendran Kishore