The people sitting behind customer care centeres have either no training or simply care less. I had a nightmarish excperience when I took a credit card personal loan from a High tech bank that never sleeps .One day I found that my loan for 16% interest is forclosed and charged at a credit card rate of 36 %. At least 10 times I contacted the help line but they will politely say they will look into the matter. Finally I had to contact the head of customer care to sort it out.Beware friends when you take a credit card loan .
