It is easy to get a credit card, but it becomes very hard to close the same. Even after closing the card I am getting statements for the credit card. Another issue is when the credit card charges for some alert facilities. The charges will be very minimal. In case you have no dues for the month, but you will be charged with the minimum amount (Rs. 10/-) for the alert facility. If you fail to pay Rs. 10, late payment and no payment charges are levied. As a matter of fact, I had the amount going upto Rs. 1500 due to non payment of Rs. 10 few months back. I finally reversed the money and cancelled all the charges after calling the customer care.
The point i want to make is that you have to read the statement and then make the payment.
