i fully agree with you Citibank is the biggest chor they do not sent the cheks to the originating branch for clearence and assume that we will not check with our bank and tell us that the chek could not be credited due to date altercation. i took the chek to my bank which said that the chek was never presented. then they call up at odd hours to ask for the money. keep on calling till we relent and say achcha baba le jaao, at least we will not be troubled anymore HDFC says take a balance transfer at no extra cost and when yoy receive the chek from them, it is too late to pay the previous bill and when u call up to cancel, they ask for the processing fees chor to chor upar se chatur bhi
