some of our readers would have experienced the SBI CARDS excess charges this has happened about fice to four months may be due to software bug they never realised about this and they keep on debiting and crediting some time reversing ultimateley card member is loser in fact some of my friends told SBI card is one of the worst issuer that i agree i wanted to sorted out the problem in person but there is no such way for sbi cards if you are calling for phone banking it usuaally takes 15 to 20 minutes to finish the introduction it self just think about phone bill for a non payment of 500 bill they are charging 392 as charges only god knows about the calculation as one of readers about CITI BANK i fully agree with him so far i have not faced any problem with CITI which I have been using it for last 15 years but i really felt sorry that i could not use the card not even one year they tested my patienence so much certainly people must be aware of these companies and as informed by some of the readers ICICI BANK is one of the worst card as every body said.