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I was charged finance charges of RS 10625 in 2021 by HDFC Bank for late payment for payment due, but when I requested to reversal of these charges as a service gesture they refunded the finance charges without the GST component, however I raised a complaint to the bank insisting on GST reversal...

My axis freecharge plus credit card due date was on 2nd Jan 2023 but due to an issue with cred not recognising my statement I missued the due date and then did the payment on 5th jan within the 3 day grace period, but axis received the payment on its end on 6th Jan and had levied me late payment...