Heavy Penalties on credit Card defaulters is unfamiliar to RBI

The bank of Banking, Reserve Bank of India, does not have any information about "heavy penalties" and "extra-ordinary interest rates" imposed by banks on credit card defaults.
In reply to a question "Is RBI aware that banks are charging heavy penalties also in addition to extra-ordinary interest rate on credit card default payments? Statements are deliberately not mailed to earn abnormal interest rates and penalties on payment default" sent through RTI, the bank said it does not have any information.
"We do not have the information," Thomas Mathew, Deputy General Manager, Reserve Bank of India, said in his reply.
RTI activist S C Agrawal also sought to know, "Is RBI aware that banks impose overlimit charges instead of blocking payment by credit cards beyond their sanctioned limit?" to which the RBI again said it did not have any information.