The telephone executives sweetly tell you when you query regarding the late fee, interest etc.,'Sir please make the full payment and the same will be reversed in the next statement'. In the next statement you will find only the late fee reversal. Again you call them they will say that you pay this amount too we will reverse it in your next stt. After three four transactions, they tell you what all the bank has done for you and shift the blame on you for not paying despite the bank being so considerate to you. The fault started with them. One has to go thro' the statement carefully otherwise you will be taken for a sweet jolly ride. The above mentioned episode happened to me and I kept a small amount pending for later reconcillation and asked them to deactivate my card.