I received a Zabardasti credit card from ABN Amro in 2006. Then they said, its free, no charges, no annual fee, blah, blah,.. Then, in 2007, I started getting bills from them on "outstanding dues of annual fee"!! I refused to pay & then finally emailed them a stinker saying I would complain to the RBI if they sent me another bill!! STORY OVER!!
