Hello emailswarup,
snrama has already given one option as a solution. The other is, if your last date for payment is the 31st of January, you can wait till the 25th for the charges to be reversed and then pay the final amount.
In future, you can always contact our Customer Service team through the 'Contact Us' wizard to get solutions to your queries.
Thanks and Regards,
Rohit,
Community Development Team
Thanks and Regards,
Rohit,
Buyer Engagement Team