[Resolved]  HDFC Bank — Credit card department

Address: Thane, Maharashtra, 421203

I had taken you a credit card for buying a cell fone last year Jan 2015. I was informed my due dates to pay the credit card was 24th of every month.
I had been paying as per the usage and after 10 months in October 2015 a person from credit card department mentions that I was paying the amount on a wrong due date hence whatever amount i have paid till date is negligible.
Also we have options to pay the actual monthly amount or a minimum amount. I was informed its ok if i pay the minimum amount but it is more important to pay. Hence in fe months i have paid minimum amounts. I told later again that i can never pay a minimum amount as it will again lead my to penalties. My usage was 40000 /- out of which till date i have paid Rs 38, 000 and today my outstanding amount still stands as 40000/- .Reason they hdfc team had been charging me penalties for the wrong due date payments that i was doing and the minimum amount payments that I have done. Also today i did not carry my wallet and hence tried to withdraw cash from my ATM to remove my salary and i get to see that my account is blocked i cannot use my atm also my acounts show negative balanec for non payment of bill for the Month of Dec 2015 ONLY. I am the sole earner of the family and these guys have ruined my life with credit card non payment and today blocking my account. Also i had been in touch with credit cards cst service agents Rama and Jyoti with regards to settlement of the account and today when i am trying to reach them they are avoiding calls. I don't understand whom should i be contacting for all the false information shared with me by the customer support Credit card department. Are these the tricks that they use to cheat people and then take money from them. These is worst experience that i had with HDFC of which i have been a user from last 5 years.