I also facing the problem. SBI credit card (SBI super suraksha insurance policy)called me on phone regarding above mention policy, i am interested and aggred for the policy to pay it in 12 EMI, and on phone they also verified and confirmed. In the monthly statement it appeared that, i have to pay insurance premium in a single payment (not 12 EMI). I contacted the phone numbers of contacted persons, but no use of. Due to this i have to pay interest for the premium amount not paying it. THIS IS THE ONE TYPE OF CHEATING THE PUBLIC.