In 2000 I took an SBI credit card for an annual fee of about Rs 500/-. After one year when I could not find any use for the card I did not request for a renewal. However a renewed card promptly came to me with an annual fee of Rs 600/-. I then contacted the SBI Customer care and informed them about my refusal to accept the card. I kept receiving bills interest upon interest which I ignored and after about two years the card was cancelled by SBI. In 2006, with the advances in IT, I wanted to use a credit card and applied to SBI for the same. I was shocked to receive a rejection note from them saying that I had dues pending (the above mentioned renewal charges and the interest thereupon) and hence could not be issued a card. Even though I argued that this was charges on an unsolicited card, they were not willing to listen and I ended up taking a ICICI card.
