ARE THEY DOING BUSINESS OR EXTORTION, AS USUAL RBI NOT INTRESTED TO PUT ANY GUIDELINES FOR CREDIT CARD HOLDERS AND BANKS MAY BE THEY WANA CLOSE THERE EYES IN CASE OF CREDIT CARD INTEREST AND PAYMENTS METHODS AND WELL JUST PREPARE URSELF PROPERLY TO FIGHT WITH THESE GOONDAS OF BANKS AND DOTN KNOW HOW RBI ALLOWS BANKS TO APPOINT REOVERY AGENCIES WHY NOT SUGGEST THEM TO GO LEGALLY.