[Resolved]  HDFC Bank — There are wrong EMI charges imposed on me for last 5 month although I have paid full Amount

Address:

46,New Colony Railway Road Fridabad Haryana Pin 121001

HDFC BANK credit card is imposing and charging wrong EMI on me for last 5 months : They are imposing EMI charge on the purchase of phone which was not purchased on EMI's and whose full payment was cleared on the same month i.e March[protected] Amount Payed Rs 18300/-
Details are given below
Other charges as follows:
Month April 2022
07/03/2022 JIVA PUBLIC SCHOOL FARIDABAD 4, 200.00
07/03/2022 IMPS PMT[protected]Ref# 00000000000307015153280) 4, 200.00 Cr
14/03/2022 ABM COMMUNICATION FARIDABAD 18, 300.00
16/03/2022 IMPS PMT[protected]Ref# 00000000000316009668187) 18, 300.00 Cr
17/03/2022 AGGREGATOR EMI - OFFUS (Ref# 09999999980317000157478) 18, 300.00 Cr
18/03/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980318004440415) 35.82
18/03/2022 OFFUS EMI, PROCNG FEE, [protected] (Ref# 09999999980318004440415) 199.00 04/04/2022 OFFUS EMI, INT NBR:01, [protected] (Ref# 09999999980404000748363) 278.16
04/04/2022 OFFUS EMI, PRIN NB:01, [protected] (Ref# 09999999980404000748355) 2, 837.83
Month May 2022
04/04/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980404000748363) 50.07
13/04/2022 GOOGLE PLAY MUMBAI 130.00
04/05/2022 OFFUS EMI, INT NBR:02, [protected] (Ref# 09999999980504000748881) 184.12
04/05/2022 OFFUS EMI, PRIN NB:02, [protected] (Ref# 09999999980504000748873) 2, 873.31
Month June 2022
04/05/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980504000748881) 33.14
31/05/2022 MADEEASY PAYTM NEWDELHI 1, 780.44
04/06/2022 OFFUS EMI, INT NBR:03, [protected] (Ref# 09999999980604000941062) 148.21
04/06/2022 OFFUS EMI, PRIN NB:03, [protected] (Ref# 09999999980604000941054) 2, 909.22
Month July 2022
04/06/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980604000941062) 26.68
04/07/2022 OFFUS EMI, PRIN NB:04, [protected] (Ref# 09999999980704000745834) 2, 945.59 04/07/2022 OFFUS EMI, INT NBR:04, [protected] (Ref# 09999999980704000745842) 111.84
Month August 2022
04/07/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980704000745842) 20.13 04/08/2022 OFFUS EMI, INT NBR:05, [protected] (Ref# 09999999980804000847851) 75.02 04/08/2022 OFFUS EMI, PRIN NB:05, [protected] (Ref# 09999999980804000847844) 2, 982.41
Month September 2022
04/08/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980804000847851) 13.50
04/09/2022 OFFUS EMI, INT NBR:06, [protected] (Ref# 09999999980904000846612) 37.74
04/09/2022 OFFUS EMI, PRIN NB:06, [protected] (Ref# 09999999980904000846604) 3, 019.64

What is this charges?

Now they are asking me a unjustified amount of Rs. 3019 on the purchase of product RS 18300/- Whose full amount was payed by me on the dated 18/03/2022. I have not purchased any product on EMI.
This whole process of EMI charge on me is unjustified and illigal.
I want this to be reversed.

2. Apart from the above, i always used to pay the minimum balance due. It was never made clear that minimum balance due will attract interest. This is a very deceptive manner of charging interest. It should have been made clear that minimum due will only ensure that penal charges arent levied but interest is. High interest rate itself is a charge.

3. I am using HDFC credit Card for last 10 years. I have cleared my all dues on time.

Kindly go through the case and take necessary action,

Dinesh Kumar