[Resolved]  HDFC Bank — credit card - bank changed full auto payment to minimum auto payment resulted in high interests since 2016

Address:

Bangalore, Karnataka, 560067

My hdfc customer id 21310664, am long standing customer of hdfc for all financial needs.in dec 2015, i was upgraded to regalia credit card xxxx0043 and during this switch from old card xxxx3246, my default previous "full auto payment" was changed to "minimum auto payment" in backend without my knowledge. Unaware of this, i continued with usages and when card declined on 31st dec 2016, i investigated and found above payment mode change. Immediately informed relationship manager who suggested to pay actual usages and seek help from their helpdesk for reversal. No action taken so far that could resolve the issue although i ask for audit to my account and send various follow-up mails to all authorities i was guided to by bank staffs. Over a period of time, i reduced usages, stopped usages, de-linked all auto linked transactions, cleared last actual usages over manual payment. From july 2018 onwards there is zero usages on card but past interests keeps adding month over month.

My ask: as its bank back-office mistake in data maintenance while upgrading the credit card, all outstanding charges until now should be waived off and close my credit card.