HSBC Credit Card
Late Payment Charge

My Card No. is 4476921205406873

18th March to 17th April shows outstanding balance Rs.0.33

I did not pay it as one cheque cost is Rs. 0.50

18th April to 17th May bill shows late payment charge is Rs.400.00

Is it not rediculous that for 0.33 I will ahve to pay Rs. 400.

Pl rectify the statement otherwise, I will surrender my card.