[Resolved]  Standard Chartered Credit Card Debt — Charges late fees,interest & S.tax through the full amount paid in advance

Address:

Nadia, West Bengal

Dear Sir,

I have two SC Credit Card (Gold & Platinum). In Dec'12 Statement SC generate combined Bill amount Rs.13891.36 (for Gold Card Rs.12950.30 & Platinum Card Rs.941.06), payment due date is 26/12/12. But due to my mistake I paid online payment, both the amount dt.10/12 & 11/12 paid in Platinum Card. After opening online position I see that one card (Platinum) shows Cr balance & the other one (Gold ) shows Dr Balance. At this moment I contact through e-mail to SC credit card customer care officer to revert the amount Rs.12950.30 from Platinum card to Gold card. In the mean time during Dec'12 I used Platinum card so many times(total amount Rs.4044.06). SC denied to transfered the full outstanding amount Rs.12950.30 from Platinum to Gold card. In Jan'13 Statement they transfered balance amount Rs.8906.24, and claiming above mentioned late fees (Rs. 700/-) with interest (Rs.643.49) and S.tax (Rs.166.06). Amounting Rs.4044.06 which was use during Dec'12 will pay in Jan'13. Why they adjust the amount in previous paid amount.

My question is, is threre any ritght to charge late fees, interest & S.tax, where I paid the full outstanding amount in advance. Because both the cards are belongs to me. But in mistake two payments are in same card.

Please guide me.

Thanking you

Arup Kumar Paul