SBI — sbi credit card - looting in the name of late payment charges

Dear Sir,

I have made a multiple transaction on September and October which cost 2, 96, 000 rupees. Before due date i.e. 08/11/2018 i have paid 2, 38, 000 after 4 days i.e. 13/11/2018 i have paid remaining amount 58, 000 also. I though late payment charges are applicable only to 58, 000 rupees which is paid after due date. But they charged for total out standing 2, 96, 000 and for one more transaction i did on October (74, 999). Total they have charged approx 18, 090 rupees (includes GST). i never thought they will be charging huge amount. For middle class this amount i can use for three months of school fees. This is not fair way to charge. This is the other way to loot the customers in the name of late payment charges.

As per now i am decided to pay, as i don't want to go into the loop of charging interest again for not paying.

I have called customer care and also sent an email to Nodal officer, there is no proper response about reversal. When ever i see the statement, i feel like mental harassment. Just paying 18000 to SBI without using the money.

please find the statement attached.

Can you please help me to get reversal of these amount?