Kotak Mahindra Bank — kotak credit card scam

Address:

TNHB, Chennai, Tamil Nadu, 600054

Dear fellow people,

I have been using the kotak credit card for the past 2 years. I have been paying the amount every amount that i have been used for. Suddenly i got a message from kotak saying that "your credit limit has been reduced to some xxx rupees. They have charged me some 4000 rupees as a overlimit fee. Next month i have got the same message saying that" your credit limit has been reduced to "yyy" rupees. Then i decided to close my outstanding amount which 1, 21, 000 and i paid 1, 18, 000 rupees on 16 th jan 2020. Suddenly two days back i got a message from kotak bank saying that "your credit card limit has been reduced to 4000 rupees from 1, 21, 000 followed by a sms saying that i have used 90% of the credit card limit. Today i got a statement saying i have my interest charges for rupees 5088 for the outstanding 3800 rupees.

Details below

Previous month outstanding : 1, 21, 000
Last month paid amount : 1, 18, 000
Outstanding amount should be : 3000 + taxes

What i got?

Below

Late fee : 700
Gst : 1041
Interest charges : 5088
Total : 6830 + 3800
Now, i got a total outstanding of 10, 704.00 rs
Please note that i didn't even use a single rupee from this card after knowing their scam. Please should know the truth about this banking scams.
I owe a proper explanation from the bank. If not i am going to file a complaint and planning to provide all the to my media people and create awareness about this kotak credit card scam. People please be careful

Thanks
Karthick