[Resolved]  Indusind Bank — Wrong charged in Credit Card

Address:

Ahmedabad, Gujarat

Dear Sir,

I had Credit Card of Deutsche Bank. Now the card devision has been taken over by Indusind Bank. Credit Card No. was 5268 XXXX XXXX 0006.

I had shifted from Kolkata to Ahmedabad. When I asked to change the address, they said that Ahmedabad is non operational city so they are canceling the card. Which was Ok for me & I clossed the card.

My last bill received was of Rs.29,000 someting. The last due date was 23rd May,2011. I had made the full amount cheque & deposited in the bank drop box on 23rd. May,2011.

But the credit card company is sending the bills now with penalty charges, servise charges, interest etc saying that they received the payment late.

They say if I am depositing the cheque it should be deposited before the due date so that on 23rd is shows clear balance.

No where it is so. What ever is the due date & if the cheque is paid on that day, the payment is considered as paid in full untill & unless the cheque gets bounced. My cheque did not bounce & got cleared.

It is no where mentioned in any statement or any terms of credit card that the due date will be considered as payment clear date in there account. If I have made the payment on due date at the address mentioned in the statement then why is the late payment charged to me.

Kindly request you to help me in this matter.

Regards,

Vinay Kheria
Credit dard is in this name