HDFC Bank — regarding smartpay service

Address:

New Delhi, Delhi

I KAILASH GIRI USER OF HDFC CREDIT CARD WHICH NO IS [protected] . I ACITVATED A SMART PAYS FOR MY LIC PRIMIUM WHOSE AMOUNT IS Rs.6775.THE DUE DATE IS 28-NOV-2014 AND GRACE PERIOD IS UPTO 28-DEC-2014. AS I CALLED THE CUSTOMER CARE FOR 4 TO 5 TIMES ABOUT THE AUTO PAY . HE OR SHE ALWAYSF TOLD ME THAT THIS TIME IT IS NOT PAID BY AUTO PAY SERVICE OF YOUR CARD, AND YOU SHOULD PAY IT FROM YOURSELF . AS ALL THE CONVERSATION IS CLEAR I SUBMITTED MY PREMIUM IN GRACE PERIOD ON 28-DEC-2014 BY CHEQUE . BUT ON 4-JAN-2015 I GOT A MESSED FROM MY CREDIT CARD THAT "''''''DEAR SMART PAY CUSTOMER, WE HAVE SUCCESSFULLY DEBITED YOUR HDFC CREDIT CARD TO PAY YOUR SMARTPAY 198603 BILL FOR THE AMOUNT RS 6828.7"""""""" I am so angry from this activity. First refund by amount of 6828.7 immediately, one thing I want to ask that my actual premium is Rs. 6775 which is Verified by you on the time of activation of smart pay service but how can you pay the amount 6828.7 without by confirmation which is Rs. 53.7 more than actual amount, I think smart pay means payment of bill which is added by customer on his credit card will be automatically paid by the credit card before due date without late fee, but in my case the payment is paid after the due date with late fee. give me proper explanation. Give me valid reason for this mistake which is done by you .