Kotak Mahindra Bank — Kotak mahindra bank charging brutal amount as late payment from me for credit card

Address:

603110

Kotak Mahindra Bank do charge late payment amount for credit card as half of my bill amount. They are saying they will take the request for reversal. but the reversal amount will not reflected in your current generated bill amount.
The reversal amount will be reflected on future bill generation but not in currently generated bill payment. You have to pay the currently generated bill amount which having late payment bill amount.
I have asked customer support then what is the use of reversal, if does not do any further transaction in future then how will you give this reversal amount to me?
From customer support there is no answer for this.