[Resolved]  ICICI Bank — Icici bank auto debit return fee levied despite of the payment made towards my credit card

Hi, my name is silva, i am using icici credit card since last 2 years and make payments at the end of each month before due date.
My service request # : sr[protected]

Similarly, i made a payment on aug[protected] infinity payment received, thank you 37, 495.00 cr) and in my cc statement its mentioned auto debit return fee and service charges inr. 862.39 when i enquired about these charges bank said that i have auto debit facility opted on my account and due to insufficient funds charges in my linked savings bank account. I have been also charged an additional atd return charge of 57.50 (04/08/2016 04/08/2016 atd-0xx4829-rtnchgsaug 16 57.50).

02/08/2016 auto debit return fee 749.90 dr.
02/08/2016 service tax 112.49 dr.

Why can't the system check for the due amount is paid or not before intiating the auto debit? Why is this charged twice both in savings and credit card.
I can accept this if i have not paid the due on time.