A bill for the month to be paid on 31.3.2010 is deposited in Motibagh, Delhi ATM on 29.3.2010 The next statement came on 31.5.10 withrs 1985 rupees due that includes rs 350 as penalty.I paid that bill excluding penalty as I paid previous bill in time.another bill came on 1.7.10 of Rs.521/-Another bill on 31.7.10 of Rs.928/-During these I was away from India and not used the card at all.So kindly revert the penalties (late fees) so that I can safely reuse the cridit card.