New Delhi, Sept. 20 -- An Reddit user recently shared their experience on the social media platform, claiming that they were charged hefty finance charges after falling short on their credit card payment by just Rs.431.

The incident highlights how even a small unpaid amount on a credit card bill can potentially trigger additional interest and other charges when the full outstanding is not cleared by the due date.

According to the post, the user's total credit card bill stood at Rs.4,17,770.38 and the person paid Rs.4,17,339 before the due date.

Despite the small shortfall, the user said the bank subsequently levied finance charges of around Rs.25,794. In addition, GST of about Rs.4,643 was also charged on the finance charges, taking th...