Kotak Mahindra Bank — credit card cheque is still not debited

Address:

Chandigarh, Punjab, 160045

I dropped a cheque of hdfc bank for the payment of my kotak credit card on 21 july 2017 & my last date of payment is on 23 july 2017. But today when i ask from kotak credit card team, they said, we don’t received any cheque payment from my credit card. Its already 25 july 2017 & the late fee also considered by you on my credit card payment. Now you just tell me that its whom fault for the late payment.
If you check my credit card details since from starting, i never charged for late payment.
Now i just want to know that who is the real culprit for late payment.

Iam just waiting for your reply.
Regards
Ajay
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