ICICI Emi Credit Card — WRONG T & C

After telephonic discussion with An executive of the ICICI BANK EMI CREDIT CARD DEPARTMENT, An executivr come to my office at 306, 3rd Floor, Kalash-II, B/h. Navrangpura Post Office, Nr. Navrangpura Jain Temple, Navrangpura, Ahmedabad-380009. he told me the T & C of the EMI Credit Card and as per the T & C the ROI is 1.49% and he never told me about the EMI Charges of Rs. 149/- on every purchase made by the card holder.
I got verification call and on verification call the executive on phone said me ROI 1.99% so i told him kindly do not send me EMI card i dont want this EMI card.
Eventhough i said that i dont want EMI card, after 10 to 15 days i got EMI Card.Then i make some transaction from this EMI card, because on 27th February 2009 is my marriage date.
i want to cancelled this EMI card and also want to make the whole payments excluding EMI CHARGES, INTEREST CHARGES AND OTHER RELETED CHARGES.
TODAY ON 05/03/2009 I WILL PAY THE MINIMUM AMT. BUT ANY HOW I WILL NOT PAY OTHER CONSEQUANCE CHARGES.
DO NEEDFUL
THANKING YOU
FROM
CA BHARAT PATEL
M. NO. [protected]