They are flouting all rules of R.B.I. They overcharge client on any pretext; i.e.late payment; interest;miscelleneous fees or charges; evne interest on interest (which is illegal) are charged at fantasically highest rates. R.B.I. should be strict to these they are literally looting clients. There are also hidden charges about which client doenot know about it.Many people even donot go into deatials. I have changed credit carsd from bank to banks ; but all are same. After closing ans surrendering cards I recive all bills (i never used to get them when I was user)with telephonic threats.Complained to Police but no use; they have many other serious issues to deal with.