IDFC Bank — Credit card

Address:

coimbatore

Hi i have IDFC credit card ending with 9786, i have utlize the card last month total 2, 00, 000 lakhs rupees for my personal use, after statement generate, i received calls from IDFC customer service for EMI convert for entire amount i denied the request, around 4 to 5 times i denied to convert the EMI, for repeat the call for EMI convert the last call i accept it, before bill due date i have request to cancel my EMI conversion, the bank is charge around 10, 300 ++ after I raise the complaint to customer service, they are given 1500, relaxation from 10, 300, there is no initiative or no idea about EMI concept at my end, only one time during office hours i received the i said ok to convert, that is my mistake due to this i have to pay 8, 778 to the bank, i am surprised about the terms and conditions of the RBI rules