I have paid all bills raised till March,2020.Total lock down was imposed from March,22nd 2020.Till date the situation is not normal.Banks are not operating with 100% efficiency due to shortage of staff.My age is now 70 yrs.I had a business registered under MSME.The business had to be closed due to the COVID pandemic situation & the AMPHAN storm which passed through Kolkata recently.AMEX is sending the bills charging interest on interest and the total amount due is slowly incresing due to no fault on my part.I don't why we use credit cards where interest rates are 42%PA.Moreover past records are not considered when there is a delay in payment and penalty is imposed.RBI has granted a moratorium in loan payments till Aug,2020 which is likely to be extended till Feb,2021.How the Banks can charge penalty on the credit card holder for not paying the amount??If some body expires also AMEX will keep on sending bills??A justice is required in these cases.D.Bose.Kolkata.