SBI Cards — Unauthorized credit card charges.

Address:

SBI CARDS & PAYMENT SERVICES LTD. DLF INFINITY TOWERS, TOWER 'C' 12TH FLOOR, BLOCK 2, BUILDING 3, DLF CYBERCITY, GURGAON 122002 (HARIYANA)

I have SBI Card No.[protected]. On 15th February 21 a sum of Rs. 3000 was credited as cashback by SBI card after a lot of efforts. On 21st February 21 I have paid my credit card dues after deducting Rs. 3000 credited as cashback as above. On 1st March they debited a sum of Rs. 668.78+120.38+21.54+3.88 towards Deferred charges and Rs. 1509.92+271.79 towards Finance Charges as I have deducted Rs. 3000 from card payment on 21st February 21 stated as above.
As per SBI Card, cardholder can only adjust any credit provided as cash back in the next month which is a cheating with a card holder. As per Banking terms all credits are adjusted from the debit balance immediately. On 1st April 21 they have debited Residual Finance Charges of Rs. 314.57+56.62+1.00+0.18.
I request you to look into the matter and instruct SBI and SBI Card to stop malpractices immediately and reverse back unauthorized debits in my credit card account immediately. Every card holder have rights to adjust any cashback provided by them from the dues immediately.

RATAN KUMAR MALU