I am having HDFC bank credit card No.4346 7810 0133 9431. I received statement for paying late fee without explanation for what purpose late fee is asked to pay. Upon giving complaint the representative advise to pay late fee first then you wull get late fee details. But instead of getting details I got statement again to pay late fee again for paying late fee late. Infact I paid late fee in time but I got statement to pay late fee for paying late fee. This is how bank wants to recover annual fee ( which was waived ).
There are many victims like me. Card holder should be protected.