HDFC Bank — high finance charges imposed

I did payment of my credit card with in given time and 31k finance charges were imposed. This is the second time they imposed during covid period. Due to covid situation the cheque didn't credit to bank earlier and they imposed 25k, even though there was 3 days grace period for payment to credit per bank policy. There is no cc to provide clarification and the netbanking is totally useless raise disputes. I should say worst service by hdfc bank during covid. I tried reaching relationship managers and regional heads but none of them care to even acknowledge my emails. The bank is looting customers during covid period. Please take some action.