[Resolved]  HDFC Bank — credit card service is exploiting customers with extraordinary charges

Address:	Mumbai City, Maharashtra, 400709
Website:	[email protected]

Hi Amol This Side,
I am using HDFC bank credit card.
On 5th Sep my credit card bill was due for Rs 19863.
As autopay was set and to settle this payment I deposited a cheque in my home branch worth 80000 on 31st Aug 2018.
As per RBI rule this cheque was suppose to disburse within 3 days I. E. Max to max on 3rd Sep.
But not got cleared.
During this time I was continuesly taking follow up with customer care, personal banker and home branch but they ask me to wait.
Till 5th of Sep cheque not cleared and my credit card payment dishonoured due to insufficient balance.
So bank charged me
Over limit fees - 500
Payment return charges - 450
And late fees - 750
+18% gst.

Then my home branch told me cheque I deposited was very old and it appears for clearing only twice a month.

Here my concern is, I was not aware of this. But the bank officials who received cheque from me and gave me stamp receipt of pay in slip. Must be aware of this.
But he didn't inform me anything while accepting cheque.
Then I called customer care and asked him to cancle these charges.
He was convinced and he took my request.
Again after 2 days I received message that your request is declined.

I honestly believe this is bank officials mistake and even not communicated with me for a week even I was taking follow-up.
Thus I should not suffer of charged unnecessarily.