Terms and conditions for plcc and enhanced limit on installment platform – icici bank ltd anxieux

• "Cash Limit" means the maximum amount of cash or equivalent of cash as defined or prescribed by ICICI Bank, that the Card Member can withdraw on his Card Account. Cash-Limit forms a subset of the Card Member’s Credit-Limit / Purchase Limit.

• "Facility" or "PLCC" means the personal loan on credit cards provided / agreed to be provided by ICICI Bank, at its sole discretion, to the Card Member, either to the extent of amounts not exceeding the available Cash-Limit and/or Credit-Limit or for an amount over the available Cash-Limit and / or Credit-Limit, through an additional account linked to existing Card Account. The "Facility" or "PLCC" may also be referred to as "Cash-in" or "Cash-in Select".


The Facility shall be available only to a Customer, who has been pre-approved by ICICI bank for availing the Facility, approval with respect to which is at the sole discretion of ICICI Bank. The Customer can request for an amount upto the available Cash-Limit and/or Credit-Limit on the Card Account or for an amount over the available Cash-Limit / Credit-Limit and such amounts shall be disbursed immediately in the form of transfer to his/her ICICI Bank liability account or through NEFT or such other mode as may be communicated by ICICI Bank, from time to time. The final approval of the amount of the Facility to be granted is subject to the Customer’s performance on the Card and the available Cash-Limit and/or Credit-Limit at the time ICICI Bank receives the Customer’s request for the Facility. anxieux synonyme The Cash-Limit and/or the Credit-Limit on the Credit Card will be blocked by the amount for which the Facility is granted in cases where such amount forms part of the available Cash-Limit and/or Credit-Limit. The Card-Member shall be required to pay a non-refundable processing fee on the Facility upto the percentage specified by ICICI Bank to the Card Member. The cash-limit on the Credit Card will be blocked by the amount for which the facility is granted.

• The credit limit of the credit card will be blocked by the amount which is equal to billed EMI/EMIs + Applicable Taxes and fees including processing fees and the same needs to be maintained in the credit limit else over limit charges along with charges as per MITC will be applicable. In case of OTL (Over the limit) except the amount mentioned above will be apart from assigned credit limit. what is diffuse anoxic brain injury In case of availing PLCC –WTL (within the limit) facility credit limit will be blocked by the amount equal to PLCC WTL availed.

• The Card Member understands that by clicking on the ‘I Agree’ button, he/she is entering into a valid and binding contract with ICICI Bank and the same shall be enforceable and binding as per Section 10A of the Information Technology Act, 2000 and the same shall be admissible as an electronic record under section 65B of the Indian Evidence Act, 1872.

• The Card Member hereby allows use of such information that had been provided at the time of applying for the Credit Card for the completion of documentation for the Facility as well as any other offers ICICI Bank may wish to extend to the Card Member.

The Card Member shall repay the Facility and interest thereon in EMIs. The interest shall be at such rate which has been indicated by ICICI Bank to the Card Member at the time of making the offer for the Facility. The interest calculation will start from the time the request regarding the Facility has been confirmed by the Card Member. The amount of the EMIs together with other details of the Facility (including rate of interest) shall be also communicated to the card member at his/her registered email/mailing address. anoxic brain injury recovery rate In cases where the customer has availed this loan facility the amount of EMI due for a particular month shall be subsequently reflected in the card statement for that particular month. Processing fees and related taxes will be levied in addition to EMI amount in the subsequent statement generated post Facility approval. By availing the Facility, the Card Member authorizes ICICI Bank to debit the Card Account of the Card Member on a monthly basis for the amount of EMI due for that particular month, as has been intimated to the Card Member through the Statement. Principal and interest will be mentioned separately in the Statement. The Cash-Limit and/or Credit-Limit shall be reinstated to the extent of the amount of EMI repaid by the Card Member.

• The Card Member shall be required to pay the entire amount of the EMI for a particular month on the Payment Due Date as indicated in the Statement and the same shall not be permitted to be carried forward/included in the next Statement. In the event the payment is not made by the Payment Due Date, it shall be construed as a default by the Card Member and Card Member shall become liable to pay the amount together with late payment charges, as specified in the Primary Terms and Conditions.

• If the Facility is prepaid/ terminated before the tenure of the Facility, the amount of the Facility outstanding at the time of prepayment/termination together with all interest thereon and all other monies in respect of the Facility shall become repayable by the Card Member. In addition to this, card member is liable to pay pre-closure charges along with interest of upcoming unbilled EMI.

• The Card Member may prepay the Facility at any time by contacting ICICI Bank’s 24 Hour Customer Care. The Card Member shall pay such prepayment charges as may be indicated by ICICI Bank in the communication sent to the Card Member at the time of granting the Facility.

• ICICI Bank shall, without prejudice to all rights and remedies, have the right to call upon the Card Member to forthwith repay the Facility, all interest thereon and all other monies in respect of the Facility upon occurrence of Event of Default in repayment of the amount of the Facility and the Card Member shall be liable to repay all such amounts upon such demand.

• In case of Non-ICICI Bank account transfer through NEFT, cancellation is subject to payment of the transferred funds to the Card account. In case of transfer to his/her ICICI Bank liability account, the cancellation request can be raised at ICICI Bank’s 24 Hour Customer Care and such amount will be reversed from the account, where the transfer was effected.

• The Card Member has understood and agrees that by availing the Facility, the Card Member shall not be, unless otherwise stated by ICICI Bank in writing, eligible for any reward points whatsoever, whether awarded under the ICICI Bank Reward Points Scheme or any other Reward Points Scheme on the Card that may be announced by ICICI Bank from time to time;

• The Card Member shall renew the Card forthwith in the event the period of the Card expires during the tenure of the Facility. nanoxia ncore retro keyboard In the event of failure of the Card Member to renew the Card as stated above, ICICI Bank shall be entitled to call upon the Card Member to forthwith repay the Facility without prejudice to all rights and remedies against the Card Member;

• ICICI Bank reserves the right to require the Card Member to make advance payment of one or more EMIs against grant of the Facility, and ICICI Bank shall have the right to adjust the amount of the advance EMIs towards the balance amount of the Facility, at its sole discretion.

• Details of the processing fee, foreclosure fee, Goods and Service Tax and interest rate applicable on the Facility shall be as per the amortization schedule provided by ICICI Bank to the Card Member. Details of all other charges shall be as per the MITC.

• Nothing contained in the Terms and Conditions shall be construed as an obligation of ICICI Bank to continue to offer the Facility after the date of termination of the Facility. ICICI Bank reserves the right at any time, without previous notice, to add, alter, modify, change or vary all or any of the Terms and Conditions.

• The competent courts in Mumbai shall have exclusive jurisdiction to deal with any dispute that may arise out of the Terms and Conditions or in respect of the Facility. The existence of a dispute, if any, shall not constitute a claim against ICICI Bank.

• In addition to the general right to set off or other right conferred by law or under any other agreement, ICICI Bank may, without notice, combine or consolidate the standing balance on the Card Member’s Card Account, or the account linked to the Card Account, with any other account(s) that the Card Member maintains with ICICI Bank and its group companies, and set off or transfer money standing to his/her credit in such other account(s) in or towards the satisfaction of the Card Member’s liability to ICICI Bank under his/her Card Account or the Facility.

• The terms and conditions shall be read along with and are also in addition to the terms and conditions as applicable to ICICI Bank savings account and terms and conditions governing National Electronic Funds Transfer ("NEFT") as provided on www.icicibank.com/managed-assets/docs/terms-condition/TERMSANDCONDITIONSNEFT.pdf.