I am a Gold Credit card holder of HDFC Bank. HDFC Bank allows a cashback of 5% on the Railway tickets booked through credit card from internet website named IRCTC which has an url www.irctc.co.in. I booked tickets worthRs. 54307 in the month of June from date 14th till 25th. Normally, the cashback amt. is credited to the account within few days. They claim maximum of 90 days to give such effects. To my surprise, the same has not been credited till today. On email and phone conversation to their customer care, the reply they gave was not satisfactory. It seems that they are deliberately lingering the issue. They ask for the proof of such booking, though everything is in electronic form. Inspite of that, I supplied them with emails of ticket booking confirmation that I recd. from IRCTC. But, still there is no further action to reimburse me with the cashback. On 15-9, I informed them through email that I will not pay my credit card dues from now onwards till the cashback is given. But, though there is no action. On the contrary, they have charged me with late fees for not paying the dues on 2nd October. Please guide me and help me in reimbursing my cashback and ask them to waive all financial charges, late fees and interest occured due to this. Thank You.
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