I believe that SBI is really a great people helping bank. Thats why I had taken their credit card. But to tell you, its totally customer unfriendly, Its customer support is useless, sometimes, people calling you are rude & you dont get your bills on time, you all of sudden get an statement showing thousands dues( all of them will be late fees & subsequent charges!) I use my citibank gold credit card everymnth fr more than 25k, sumtimes during festivals, it crosses even 75K & I never had any problem with them. They are prompt, whereas SBI wont even reply ur mails. Their telephone service is also WORST! Tell me sumone, what can we do to fight these thugs? Is there any legal forum where I can lodge a case? Will there be any requirement about my presence? What about consumer forum? Can I lodge my complain online there?