HDFC Bank Credit Card — regarding extra payment

Address:

Dehradun, Uttarakhand

I pay for every month extra charges. They increase that penalty 3500 per month i paid for this. But they also made my payment status late due. And due to this reasons my civil score is too low.. What can i do. I paid every month so why this company increase payment every month and when increase payment then why low my civil score due to this reason. I want to complain for this company.