State Bank Of India [SBI] — wrong charging frequently and spoiling my cibil even after receiving payment on time every month.

Address: Jabalpur, Madhya Pradesh, 482001

I hold a sbi credit card and facing the same problem with my SBI card my account is always funded sufficiently before the due date but their auto debit fails to recover money from my saving account even though the account was funded sufficiently before the due date last month when the amount was not debit from my saving account then I called the customers care at 4:00 pm and they said that the payment will be automatically debit from my saving account by today itself within the banking hours but the amount doesn't got debited till night therefore I went to the ATM at night at 11:45 pm and made the payment on my due date and after that they charged me 3000 Rs (approx) for bouncing my auto debit. I hold many banks credit cards from a long time but i am facing such problems only with my SBI card and I expect that they apologies and would credit back the amount not only for this month but also that amount that they charged me earlier.