Kotak its a name of fraud. They even dont know how to talk with cusromers.? They are having a group of uneducated and criminal background people including both male and female as there employees. Friends its my humble request please dont ever try to creat any rlelationship with this 3rd class bank. Initially they talk with you very sweetly after they are getting what they want from you, they will show you their real face. They start using bad as well as offensive language to every customer . I told you on behalf of my experience I missed last month credit card payment due to some medical emergency .tbey immedietly send a group of people including male.and female they belated my wife , myself and my father. Also threaten my that they will kidnap my wife and forced to rape her. Friends you tell me is this the kind of beheviour expected from a bank.