Never take loan or cheque book,credit cards from multinational Banks. Only deal with nationalised bank even there service is bad.. Rate of interest per month more than 10% in Multinational banks and finance companies if u are defaulter. If ur cheque bounce and u pay ammount within 7 days u have to pay fine and heavy Bank charges. My friends 1500/ rs ch bounce.Penalty is 225 Bounce charges 350/-.Total he paid 600 for seven days delay. So friends avoid all multtinatinal banks,finance institutions all are looting,& Huge hidden charges.
