The sbi sales executive said that there will be emi options so you can repay amount monthly and when I started using it they said its not possible to make emi option you have to pay full amount, if it was emi then its ok when we get salary we can pay it, but all amount at a time how can we pay it, it was very bad experience I was not having that huge amount so I said I can’t pay it please make it emi but they dint do it after few months they started to come to my house address and tourcher to pay amount they said pay atleast 17000 now we will make it as emi so I agreed and I payed the amount they said customer care people we call you to convert as emi but after that no one called me to convert as emi instead they use to call to give the payed amount reference number, I have give the reference no so many times but again and again they use to call me and ask payment details and till no they have no converted to emi and they are adding more and more interest and they are telling me to pay that amount so this type of services if you are using you will ruin your life so plz don’t use this type of credit cards, its my worst experience in my life time