Standard Chartered Bank Credit Cards — Late Charges

Sir,
Standard Chartered Bank credit Cards are maintaining separate accounts for each type of transactions like EACH BALANCE TRANSFER/LOANS ON THE CARDS/PURCHASES ETC. All these accounts are maintained against only one card, by which they can impose four/five (times) late fees on a single card for single fault. This is not fair. They can impose the late charges one time on one card issued.
Pl. do the needful for that type of faulty ideas of the Banks.
Thank You Sir.