My ICICI Bank Credit Card

ICICI and me…
A pathetic relationship story that goes on and on ……
One day, I got a call on my mobile asking me whether I needed a Platinum Card (credit cards are of the category - silver, gold and platinum)from ICICI. The credit limit was 90 thousand. I never had a credit card, and thought this was a good chance. I got the card and lived happily for 3 months...

Well, on Saturday (3/11/07), I received an SMS that my credit card had been used to make an internet payment through the indiaideas.com site for Rs.2000 /-

On Saturday morning, I had a chalazion removed from my left eye, and my eye was all patched up. I was at home that day and was nowhere near the computer. Browsing was next to impossible, given my condition that day.

Then i called up the ICICI toll free number that was listed at the back of the card
The call answered by Abhinav
Gave him the details of the issue and also informed him that i had not lost my card and that the card was with me
He told me that i might have given my card details to someone
I guess they should understand that now a days people are aware of such things and would not divulge such info to anyone
For all i know, this card is just 3 months old and had swiped it at a very few establishments.
Customer is at fault was the attitude !!!
I guess its very easy for any one at a merchant establishment to gain the information from the card .
He just has to memorize the 3 digit CVD (Card Verification Digits) number at the back of the card, as the the 16 digit card number would be there in the bill; and use it where ever.

He also told me useless info like the merchant is in Mumbai and so on
Well, then he told me that the card was blocked and the conversation went on in circles, with him telling me that i have to wait for 1 day to raise a dispute and so on.(Sounded like i had to file a police complaint and had to wait for a court order :-))
Then i asked to be put to somebody senior and then i spoke to the Manager, Niranjan
He too told me the same thing and told me to wait for a day
Then on Sunday, i spoke to Priya
Well of no use again ...
she told me that the merchant can claim anytime in 20 days and so on
and that i had to keep checking, if he claimed.
I guess she thought that i didn't have anything else to do in life besides checking if the merchant had claimed
I am really not confident about the way ICICI works, as Niranjan should have told me on Saturday about the 20 day period. No one seems to know the process too well.

ICICI Bank, please take care of your customers, just costly advertising and catchy phrases '' Hum Hai Na'' doesn’t mean customer care.

My ICICI Experience.. Part 2

My association with ICICI, I guess is never good. Some time back (actually a long time back), I had written an exam conducted by the bank.
Didn’t hear from them for months. Then one day, a lady called me up from Mumbai. She informed me that I had an interview the next day at their Santhome branch. I asked her about the position offered and the department. She told me that it was for a mid mgt position and that they would decide about it later and all that. I was really excited. The next day, I went to the bank. The receptionist told me to go to the 3 rd floor and wait. I was to meet a lady named Jennifer. Well when I went up, I saw two people already waiting. There was no one to guide us. There were two training rooms on that floor and there was a training going on in one. We sat there and waited and waited while our numbers grew and grew. Finally after half an hour, we met a person from the HR (His English was very bad, and so were his people skills). Anyway, he took us to the other training room and gave us a psychometric test. We then gave him our resumes and the test paper. We waited for some more time and then two people came and asked us to be sent in one by one to another small room.
The interview had finally started, and we had spent a total of 2 ½ hours there. Well when I was called in, I was met by a very stylish lady and a silent looking guy. She had an interview sheet with her, and more than listening to me answering, she was filling up the sheet. So much for effective communication. And she made the HR guy look like he had a lot of people skills in comparison. She told me that the job is for the branch office and that I might get placed anywhere. I will be the staff at the counter and the average working hours will be 10-12 hours. God, what do they think? This she told me, in spite of the fact that I told her that I had a baby. Unlike others, she didn’t even ask how old the baby was; for this staying back business. Then she told me that I would have to do over the counter sales of the insurance and all other crap ICICI sells. I told her that I would not be too keen.
I was so so surprised about the interview. It was so badly conducted. In a nutshell, this was the worst interview I had ever attended. So much for the dramatic “ Hum Hai Na.’’

My ICICI Experience

I had booked for a Hero Honda Pleasure on Akshya Trithya day (not that I believe in good luck and stuff, for it is turning out to be a very bad experience), paid 18000+/- as advance and filled in an application for a two wheeler loan from ICICI bank. When I went to give in the originals to the representative from the bank, he asked me for a statement of accounts; and that’s when trouble started….
As I never receive these statements, I called up the call center on 23rd of April and requested for a statement of accounts. I got a confirmation message on my mobile that it had been dispatched on the 24th and would take 7 days to reach me. It never reached me.
I called up ICICI on 7th May, spoke to one lady named Vibudhi- Complaint # 24437129. She promised to revert the next day, and she never did.
Next I called up on 15th May and spoke to Mani. She said the courier has been dispatched and that she will give me the number of the courier agent and that I could call up and trace it. And you know what?? ''Madam, we do not have Chennai numbers, can I give you any other city’s number, where you can call up and trace?'' God, where are their brains? To think that I will make an STD to call up some courier company.
Then I asked to be transferred to her '' superior''.. Spoke to the Service Manager Vishanth – Complaint # ZC5143435. He promised to call the next day. He too never did.
When I called him on 16th May and asked as to why he didn’t call, he said ‘’ I just could not call’’.. So much for being the manager…
He told me that that the courier was dispatched twice and that he sent another one the day I spoke to him.. a sum total of three. I then asked if he could not trace it.. and you wont believe the reply '' That’s a totally different department and you have to speak to them, I cant check'' I thought bureaucracy was existing only in the government offices. He then gave me another complaint # SR24865438 and told me to go collect the statement from a nearby bank, and that he would waive off the charges (Charity after the bureaucracy). Its all ended where it started.. I wanted a statement sent, just because I didn’t have time to go to the bank
My salary gets credited here, and this is the only reason for continuing this stupid relationship :-(
Believe me; I still haven’t got the statement, and my two wheeler is waiting.
And I wish someone from ICICI reads this…