Axis Bank Credit card
Late payment charges

I dropped the cheque in one of the ATM centers in city (Near Kothrud, Pune) on Nov end for the total amount of Rs.22, 840

Cheque details are: Drawn on: Axis Bank Ltd. (JM Road Deccan Gym Pune)

Cheque No: 671351 dated 8-Dec

This was the total payment as per the statement dated 20-Nov. This payment was due on 10-Dec

Thus it is clear that I made full payment in time.

Now it is mentioned that your bank does not accept post dated cheques; however there has been no formal communication on this any time till date

Also when the bank received my post dated cheque, I was never informed that this will not be cleared and I will need to drop another cheque.

In absence of any such communication, I was under the impression that payment has been made. I realized it when I started receiving messages/reminders

for payment

When I enquired and investigated further I could know the reason.

Your bank also could locate the cheque and cleared it for payment after that.

Now the payment has been cleared and you laso have confirmed it however this all has resulted in late payment.

I fail to understand in this whole process what is my fault for which i am being penalised with late payment