[Resolved]  Axis Bank Credit Card — Late payment Charges

dear sir

sub: my credit card no.[protected] in the name of G.Krishna Murthy
your statement 10.6.2010 to 10.07.2010- payment due Rs. 298-22


Please let me know what are the charges of Rs. 298-22,

further, kindly note that I was out of country from 22.6.2010 to[protected] and while I was in USA, I did receive a missed call from your office and did talk to the person, who told me about the payment due and I explained that I am out of country and soon I return, I will make the payment

although I returned on 25th august, immediately I went to hyderabad and came back only on 5th sept. in the meantime, I might have received atleast 5 to 6 calls about the payment, due to being busy and for the fact that I was not in Bangalore all the time I could not make the payment.

Suddenly I get a sms saying that I need to pay rs. 600 and odd amount. you should understand that it is a Rs. 298-22 is a small amount and you cannot
charge rs. 300-00 and odd, as a penalty, to a person, who is a previlege account holder in your axis bank, Banashankari second stage, branch of Bangalore.

If you insist on paying this amount, I am sorry, I will have to CANCEL this credit card.

do reply soon, about this.

regards

G.Krishna murthy
mobile no.[protected]
[protected]@yahoo.com

I dropped the cheque in one of the ATM centers in city(Near Kothrud, Pune) on Nov end for the total amount of Rs.22,840
Cheque details are : Drawn on : Axis Bank Ltd. (JM Road Deccan Gym Pune)
Cheque No: 671351 dated 8-Dec-2010
This was the total payment as per the statement dated 20-Nov. This payment was due on 10-Dec,2010
Thus it is clear that I made full payment in time.
Now it is mentioned that your bank does not accept post dated cheques; however there has been no formal communication on this any time till date
Also when the bank received my post dated cheque, I was never informed that this will not be cleared and I will need to drop another cheque.
In absence of any such communication, I was under the impression that payment has been made. I realized it when I started receiving messages/reminders
for payment
When I enquired and investigated further I could know the reason.
Your bank also could locate the cheque and cleared it for payment after that.
Now the payment has been cleared and you laso have confirmed it however this all has resulted in late payment.
I fail to understand in this whole process what is my fault for which i am being penalised with late payment