[Resolved]  HDFC Bank — incorrect charges levied for regalia credit card

Dear Sir
I am a serving officer( doctor) in Indian Army and presently posted at Military Hospital Bareilly.
I got a HDFC Regalia Credit card in 2016 from Udhampur, J&K, where I was posted too.
Since, the card was offered to me through my Relationship Manager(HDFC) & Credit card agent, most of the form filling & other formalities were done by them.
I opted for Auto- debit option through my HDFC savings Ac no.xxxxx
Since then, I have been using the above said card along with my ICICI & SBI debit cards.
But, to my horror, I got to know in Sept 18 that my total outstanding bill was around 3.5 lacs. On enquiring deeply, I got to know that my Auto -Debit was for Minimum Payment''ónly, which I was totally unaware of.
The following is my humble submission :
1. Kindly inform me my outstanding bill under separate heads of Actual Credit & Interest & Fine charges.
2. The nature of my duty which involves lots of touring, poor internet access & not understanding the Financial services, I was not able to appreciate the type of Auto Debit . Also, I was unaware of ever increasing mammoth outstanding bill . Never ever I was informed by bank either with phone calls or postal letters
3. For no mistake of mine, I have been penalised . Still I am ready to pay off my genuine debts.
4. So I urge you to kindly take the corrective measures including:
a) Informing about my true expenditure, payments made and Finance charges incurred.
b) Waiving off the finance charges & fines incurred on me.