HDFC Bank — Wrong charges

Address: mr. Star telecom opposite state bank of india, mc road sujanpur

1. My credit card is showing a charge: offus emi,

11/08/2020 OFFUS EMI, PROCNG FEE, [protected] (Ref# 09999999980811000722315) 99.00

13/08/2020 OFFUS EMI, PRIN NB:01, [protected] (Ref# 09999999980813003020754) 1, 613.73

13/08/2020 OFFUS EMI, PRIN NB:05, [protected] (Ref# 09999999980813003020739) 1, 957.05

13/08/2020 FINANCE CHARGES (Ref# 17000743400813999879330) 1, 165.96

13/08/2020 OFFUS EMI, INT NBR:05, [protected] (Ref# 09999999980813003020747) 42.63

13/08/2020 OFFUS EMI, INT NBR:01, [protected] (Ref# 09999999980813003020762) 95.75

What is this charge? I want this to be reversed.
screenshot are given below

2. Apart from the above, i always used to pay the minimum balance due. It was never made clear that minimum balance due will attract interest. This is a very deceptive manner of charging interest. It should have been made clear that minimum due will only ensure that penal charges arent levied but interest is. High interest rate itself is a charge.

How can such deceptive practice be carried out? I want these charges reversed.
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