ICICI Credit Card late Payment Fee for no apt reason

[scott1391990]

Check these last 6 months statements and the payment made by me as well, which clearly shows that I made all the payments in full and on time except the last time where I missed by 3 days but I have late payment fee in this month's statement corresponding to my older card that is not in use since it was deactivated when a new card was sent some months ago
Can someone explain what is this?

 

[suds]

Instead i guess it's easy to call customer care

 

[scott1391990]

Checked yesterday but there wasn't any option to talk to CC support.

 

[nRiTeCh]

Here is list of all CCs:
http://www.icicibank.com/customer-care.page

Personal Banking
Customer Care numbers for Retail Customers


Andhra Pradesh: 7306667777 Ahmedabad: 33667777 / 44455000
Assam: 9864667777 Bangalore: 33667777 / 44455000
Bihar: 8102667777 Bhopal: 3366777
Chattisgarh: 9098667777 Bhubaneswar: 3366777
Goa: 9021667777 Chandigarh: 3366777 / 4445500
Gujarat: 8000667777 Chennai: 33667777 / 44455000
Haryana: 9017667777 Dehradun: 3366777
Himachal Pradesh: 9817667777 Delhi: 33667777 / 44455000
Jammu & Kashmir: 9018667777 Ernakulam: 3366777
Jharkhand: 8102667777 Gurgaon: 3366777 / 4445500
Karnataka: 8088667777 Hyderabad : 33667777 / 44455000
Kerala: 9020667777 Jaipur: 3366777 / 4445500
Madhya Pradesh: 9098667777 Kolkata: 33667777 / 44455000
Maharashtra: 9021667777 Lucknow: 3366777 / 4445500
Orissa: 9692667777 Mumbai: 33667777 / 44455000
Punjab: 7307667777 Panaji: 3366777
Rajasthan: 7877667777 Patna: 3366777
TamilNadu: 7305667777 Raipur: 3366777
Telangana: 7306667777 Ranchi: 3366777
Uttar Pradesh: 8081667777 Shimla: 3366777
Uttarakhand: 8081667777
West Bengal: 8101667777

Note : For any unresolved query, you may register your grievance by dialing our toll-free number 1800 102 4242 between 9 a.m. to 6 p.m. from Monday to Friday. Ensure that you provide the Service Request Number (numeric digits only) which is not more than 2 months old.

 

[Criminal]

can't say if there's any error wrt to the credit card numbers as only you and ICICI know about their usage.

but the late payment fees are aptly applied; it doesn't matter if you are one day late or 30. though there'll more charges in the upcoming statement - interest for those 3 days.

your card has a very high late payment penalty. ask customer care to lessen it a bit.

 

[rads]

Old card numbers are not instantly removed.

I still accidentally pay my ICC bills to the wrong/old Card no, but works fine though.

You bill is fine, you missed the due date, thus the late fee. your old card is might not be active, but the payment to that no still works.

ICICI ICC Customer here as well.

 

[scott1391990]

Old card numbers are not instantly removed.

I still accidentally pay my ICC bills to the wrong/old Card no, but works fine though.

You bill is fine, you missed the due date, thus the late fee. your old card is might not be active, but the payment to that no still works.

ICICI ICC Customer here as well.

So you are saying that everything is fine here?
I couldn't get time today to visit bank but will try tomorrow. But then again they might not help me as the card belongs to my brother.

 

[singenaadam]

How long have you been a customer? You can always ask them to waive the charges off. They do many times, unless you have a bad record. I did forget a few times, HDFC Bank CC waived off the penalties/charges each time.

 

[logistopath]

So you are saying that everything is fine here?
I couldn't get time today to visit bank but will try tomorrow. But then again they might not help me as the card belongs to my brother.

Yes. That has been my experience as well. My old card was replaced with a chip-card a few months ago. For some reason, a second chip-card was issued to replace the first one. Now, my ICICI account shows 3 cards in my name, although only the last one is active.

 

[scott1391990]

How long have you been a customer? You can always ask them to waive the charges off. They do many times, unless you have a bad record. I did forget a few times, HDFC Bank CC waived off the penalties/charges each time.

My brother is not in India now. He came before last month for 40 days and now again gone for some years so he can't talk to the Customer Care. But I will ask him to mail them the issue and ask to waive off the fee as I always did the payment on time but missed only this once.

Yes. That has been my experience as well. My old card was replaced with a chip-card a few months ago. For some reason, a second chip-card was issued to replace the first one. Now, my ICICI account shows 3 cards in my name, although only the last one is active.

But why would they remove it from 4 months statement and then show it on the 5th statement. Doesn't make sense.

 

[rads]

Systematic process, System receives payment after due date, system reports a late payment charge, system goes to the Cust ID, searches for CC nos, finds it and adds entry to the first no found.

This is my silly theory of course

 

[scott1391990]

Systematic process, System receives payment after due date, system reports a late payment charge, system goes to the Cust ID, searches for CC nos, finds it and adds entry to the first no found.

This is my silly theory of course

I like it. Might be true. My friend also suggested this

 

[quixand]

Well I had been ignoring this too for the past year, after an upgrade and chip card upgrade. Called CC today and had those earlier ones cancelled. CC confirmed that they were linked and would only go away by cancellation since it was a systemic thing.

 

[dilpreet]

I had a similar issue with my Citi card.
I called the CC and told them that since i am using this case for like 4 years and i have not missed even a single payment kindly revoke the late payment fees as it missed out of my mind.
Tell them that you are a valuable customer and this time it was just out of negligence that you missed.
I am sure they will remove that charge.
It has worked for me in the past
Because end of the day its completely on the banks discretion if they want to put that charge.
Trust me it works because yours is a genuine case and you have your old record to backup your arguement.

 

[scott1391990]

Don't know about the updates now as I told my brother to talk to them over email and solve the issue