This is to inform you that i was holding a credit card of hdfc bank from february 2015. At the time of taking card they have informed me that there are no hidden charges but if you don't pay within a period you have to pay intrest But on march only they have send me a credit card bill by charging finance charges over due charges late fee charges and all and when i complained they said they cant do anything regarding this. So i said i cant pay ungenuine charges they said me you have to pay the charges. so after some months they said you may do settlement so i done the settlement. But i was not at fault anywhere so i want my civil score should not be degraded. its a reques from my side but if you degrade just by hearing hdfc banks so it would be highly injustice for me.