One person approached me and begged to take a credit card for his job, so I took one SBI card with free joining fee. After 6 months they gave bill for joining fee 300 etc which i paid as I had srated bit trasanctions, then came they will present cheques later or missing even if I personnely dropped in drop box, charged for late fee, and an insurance for credit shield also started so before 1 month of renewal i paid all dues and wrote no need to renew card. But after 1 month they gave 2.00 as some interest and added with renewal fee etc, story continued now they say I have to pay back 4000 and a lady call me from Chennai with a circasting tone "dont u know you have to pay for what is due, shall we send agents to your home " etc I threatened to give police complaint and now they have stopped , all these are frauds and if you are decent guy you have problem and if you threaten them back they will obligue. Ombudsman etc are also not much effective, just give them 'gaali' or u pay unavailed money and exorbitant fines for money u never had or need
