[Resolved]  HDFC Bank — hidden charges by the bank

Address:

South Delhi, Delhi

Hi This is Arun Jaswal

Credit Card details
Name : Arun Jaswal
Card No. : [protected]
issued by HDFC Bank

Please note that Credit Card has been offered by HDFC bank with no additional expense except Late fee for the amount used through credit card.

However, for last few months they were unable to deliver the credit card bills to the said address and no one ever contacted me from HDFC credit card bank behalf.

Later my office address changed and i requested online for address change with the Credit Card dept, they changed the address but with huge amount added which includes Late fee plus Finance Charge. by definition of Bank that Finance charge is the interest fee they charge on amount used from credit card if it is not payable on time.
Issues:
1. I have paid timely payments but if they are not able deliver the bills how would i come to know that how much i have to pay to the Credit Card company.
2. However, i have paid all the payable amount including late fee
3. As it not informed to me by the HDFC credit card representative, that the bank will apply FINANCE CHARGE on late payment amount, therefore i have not paid this finance charge.
4. They keep calling and forcing me to pay this amount also..
5. I have not received the credit card bills through courier even and thy did not even bother to call me.
6. And now they keep on increasing the amount of Finance charge by adding further more late fees and finance charges with service tax and cess tax..

it is same like when villagers borrowed money from landlord and never able to return it because landlord keep on adding BYAJ or interest.

Kindly help in this matter.