State Bank Of India [SBI] — financial charges and additional charges even though I cleared all my bills

Address:

Bangalore Urban, Karnataka, 560105

Hi,
For the month of january usage, i cleard all the outstanding amount of around 45000, but still got bill to pay financial charges of around 750. I am observing though i am clearing al my bills every month i am getting additional 700+ charges from sbi credit card. Simply stealing money from us by showing some terms and conditions.
Every month though i didn't use it is very hard to pay for bank. I am really fed up with the way they are stealing money. And worst thing is there is no proper channel or proper online procedure for closing credit card account.