Consumer Redressal

Hi, I am existing customer of Bajaj Finserv they have provided me a EMI card in which i am haveing total limit of shoping for Rs75000/- and i am there customer for near about 2 years and I am having 3 active loan on that card. Three months back i tried to use that EMI card for purchasing household product it got declined saying that my card is blocked in spite of having around 40000 of limit in my card and later i had requested to change my emi due date to 8th of every month as instead of 2nd which bajaj had changed without intimating me as my salary gets credited on 7th of every month and because of which i fail to pay my due on due date and my emi is getting bounced from last 4 to 5 months and i am paying more than Rs700/- on each loan account as a fine why cant bajaj understand customer and why it has given me the EMI card if they are not there to satisy customers need i am really feedup of paying excess amount to bajaj please take some legal action and provide me justice