Hi. I had applied for a credit card. I didnt receive my first bill and was not aware of my due bill and due date. I tried to call them wasted so much money being on hold. I paid all the puchase I made till date but not last bill as my card was closed. That late fee Rs 350 is now reached to 14000. I am ready to pay every thing I purchased using my cc but not anything for which i am not responsible. my last purchase was 85000 and due bill was 99000. they are asking to pay after settlement 95000 else case will be filed to police. can i ask them to make it 85000. is it valid?