Standard Chartered Bank — loan on credit card

Address:

Chennai, Tamil Nadu, 600094

Hi team

I get a loan from standard chartered credit card. They only fixed the loan amount. Now every month they charged over limit charges everymonth before billing date. I paid regularly before due date only.. Eventhough they charges over limit charges and gst around 1000 every month. I spoke to custimer care person he said bank will return the over limit charges. But i didnt received yet. Two months gone

Pls help

Joseph methodious