all SBI transactions have become nightmarish even depositing a cheque there is no drop box aand you have to deposit in banking hours - the credit card departnment is absolutely devoid of all scruples and gets everything mixed up. So now the only thing i have decided is have an SBI savings account with a 10-15 k balance as they do have a wide reach of ATMs which we can use and top up once you are back. NEVER USE SBI VALUE ADDED SERVICES INCLUSIVE OF CREDIT CARDS.
Credit Cards in itself are not bad and i have 2-3 which i have used for the last 8 years with no difficulty as i pay within bill date - the problem starts if you dont pay within daates. Also you need to check the bills with a fine tooth comb once you are willing to do that it is actually quite rewarding - ihave a full magpie bar set from amex a Tissot watch from HDFC and 3 return tickets mumbai chennai all on points earned for regular payments like groceries/travel/puja shopping etc.
Summary - dont get into the credit trap - no balance carry overs - just what you are spending on a monthly basis pay of to the pi.
