ICICI Bank — Late fee charges on my two credit cards, [protected] &[protected]

Address:	160036
Website:	icici.com

Dear Sir,
Every time I am being levied late fees of rs 700+service tax extra on both my cards.
I pay throgh your site via Axis Bnk on line.
Last time I paid on 27th of May, my account was immediately debited but your cards show credit on 30th of May and so you say I am late.
RBI has authorised three grace days.
My a/c is debited on 27th, then why should my payment reach you on 30th.
Are we living in bullock cart age.Where does my money stay for three days?
Why should I pay for your lapses or procedural glitches.
Please see both my bills for last few months and refund late fee immediately.Due to late payment my one of the cards even shows overdrawn and charges are debited.Please refund total amount.
I will take up matter with RBI
Yours Sincerely,
Pushp Raj Dutta