[Resolved]  Axis Bank / Credit Card — unnecessary billing

When ever any consumer has any query then every customer contact to customercare (phone no given by you) and consumer believe on the executive's answers. This is the procedure that every innocent consumer follows.
The same process followed by me and I am in trouble. Please look at the matter
MyAxis bankcredit card previous bill (19/4/08 to 20/5/08) amount of Rs 36207.44 that contains 14032.00 rs of balance transfer amount (this amount was not supposed to pay on due date). 21285.00 rs of ICICI Lombard policy (This amount was converted in EMI)
Now in order to get information of bill amount I called to customer care no.and I asked that
"How much amount I have to pay before my payment due date" then he replied me
*"From the total amount (that was 36207.44) deduct balance transfer and EMI amount (that was 14032+21285= 35317) and rest of amount you have to pay"*
I did not satisfied with this answer so a called again and that time other executive answered the same so I calculated according to instruction
36207.44 (Total due amount) - 35317 (sum of balance transfer and EMIamount) = 891. So I paid 891 rs before due date.
I was surprised when I saw this month bill that contain 643.46(interest) & 276 (late fees). So I am not responsible of any extra charges because I could pay more amounts but I followed the instruction given by your executive.
I knew that we need to pay minimum amount specified into bill so same i told at the time of conversation with your executive then he replid that "If the total bill amount changes then minimun amount has to be changed, " then i asked that, ok tell me how much amount i have to pay then he replied that "now u need to pay 5% of 891 rs" after that i paid total amount...

Plese look at this matter or suggest me where i can escalate this issue for if not satisfied with bank