Axis Bank — Deactivating of Credit card without any fault on my part - MRS.NAMRATA AKOLKAR, 3, Mahapalika Marg, Directorate of Tech.Education, Mumbai 400001.

I have received the card statement due on 30.09.2015 asking for payment of Rs.17, 698.68. I had paid by cheque no. 219776 for Rs.5821/- towards earlier statement and the cheque also was debited to my Axis Bank savings account on 28.08.2015 well before due date. In spite of the same I was charged penalty of Rs.600/-, interest of Rs.470.77 and service tax of rs.84/- and rs.65.91 - total burden Rs.1220.68 for no fault of mine. When contacted to credit card department in the bank I was asked to pay the full amount. When I resisted for the same they said once the amount of cheque is credited to card statement, we will revert but now you have to pay full. For no fault of mine, I received mental harrassment due to deactivation of card for non payment. Why the Bank should not be penalised for the same ?