[Resolved]  HDFC Bank — credit card charges

Address:

Mumbai City, Maharashtra, 400067

Hdfc bank credit card - full payment made within billing cycles but interest is still charged.

Sir,
I am hdfc bank credit card customer. I have paid my full dues regularly, but i have noticed that the bank is charging me interest @ 3.49% on my current dues along with gst charges. The bank should be charging me interest charges on my previous dues not paid within my billing cycle. But i have paid all thei dues within the billing cycle. Kindly note all the info as follows:

Statement date: 12/11/2018. Payment due date: 02/12/2018. Total dues 1, 28, 446/-

Statement date: 12/12/2018. Payment due date: 01/01/2019. Opening balance 1, 28, 446/-,
Previous payment date: 02/12/2018. Paid amount 1, 10, 000/-
Finance charges on 02/12/2018 - rs. 2, 064.47/-,

As i have paid rs. 1, 10, 000/- on due date, why are you charging me for the full amount due? I. E. Rs. 1, 28, 446/- and not on the balance amount due? Also what about the grace period?

Statement date: 12/01/2019. Payment due date: 01/02/2019. Opening balance 26, 482.11/-,
Previous payment date: 25/12/2018. Paid amount 25, 000/-,
Previous payment date: 28/12/2018. Paid amount 1.500/-
Purchases 62, 025.33/-
Finance charges on 12/01/2019 – 3, 593.20/-.

On which due amount am i charged rs. 3, 593.20/-??

Statement date: 12/02/2019. Payment due date: 04/03/2019. Opening balance 62, 007.44/-,
Previous payment date: 14/01/2019. Paid amount 20/-,
Previous payment date: 14/01/2019. Paid amount 1, 500/-,
Previous payment date: 24/01/2019. Paid amount 40, 000/-,
Purchases 42, 349.53/-
Finance charges on 12/02/2019 – 1, 911.49/-,
Merchant emi interest on 12/02/2019 – 201.04/-.

On which due amount am i charged rs. 1, 911.49/-??
Why are you charging interest on merchant emi? – 201.04/-?? When you are advertising that the purchases are interest free and you are charging interest.

Please verifty my credit card account statment and rectify the financial charges and late feese and interest. To much charges in my credit card account please go through and deduct these charges in my last three years account.

Please adjust the paid amount to my credit card which i paid against interest and fiancial charges.

Mrs. Kavita popat