From the day I have taken SBI credit card..none of my quieries have been cleared because most of the service is sms or mail based...they have their predefined quieries list..from which one have to select their option..as my quieries was not listed there...I mailed them..but they always replied me itrelevent computerised answer which did not clear my doubt...and the toll free number they provide have same problem.it also entertain to only predefined listed quiery and there is no option provided to talk to service executive directly..there is so much irregularities in their emi charging system....