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HDFC Bank/Credit Card — excess charges against credit card payment

Dear Sir,
I am SUJATA had availed credit of Rs. 80000 for the EMI payment against Country Holiday Inn & Suites,

Brief summary of the matter.
1. 12 months EMI for credit of 80000 was repayed by total Rs. 89101/- by me in 12 months only.
2. The details of payment are in below trail mail.
3. Reason for delay in Payment : one EMI was returned from my account however i had sufficient balance as per my knowledge as I had checked my saving account and it showed a balance of Rs. 11682/- but later the local branch confirmed that it is the cummulative amount of all my accounts and joint accounts shown on the main page .
4. Action taken by me:This was discussed with customer care executive and they told me that auto debit system can not be made applicable now but I will not be levied any extra charges for the late payment and so after that I made manual payments.
5. i made all the payments. But still My credit card has also been stopped. My debit card has been stopped.

Date Amt.
02-Nov-17 7220.66
03-Dec-17 7400.66
02-Jan-18 7386.66
02-Feb-18 7372.49
05-Mar-18 8538.14
02-Apr-18 7343.61
03-May-18 7328.9
02-Jun-18 7314.01
payment of Rs. 7300 is also made on 03.09.2018
And final installment of Rs. 7300 was paid on 04.10.2018

Please look into the matter, all response I am getting is the automated mails and answering machines. On the other side threatened by notice for payment and freezing of my account.

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