SBI is the pits. I have had their card for the last 4 odd years, and being an old fashioned sort, use it rarely, when i dont want to carry a lot of cash. Normally every year I get a statement for annual charges and the renewed card comes soon thereafter. This time I paid the annual charges in May, and despite 5 calls to their call centre and 7 e-mails to them, I have yet to get either the card or the refund of the annual charges, which they have refused to refund .
