Please keep off your SBI card business out of THESE POSTS. This is not the right place. The experience which you have with SBI (a Nationalized Bank), exactly similar experiences many people have with so called multinational and private banks operating in India also. If you or anybody really want to highlight these issues, go and write a detailed article of your own to be published in a proper way, which can draw attention of many people. In addition, there is a well defined legal system in our country. First go to a police station and lodge a complaint, then drag Finance Minister (Yes, Finance Minister) to court and carry on. You will get result. BUT PLEASE KEEP OFF IRRELEVANT POSTS