I used SBI card till end of the year 2006 and stopped using it when the card got expired. I did not bother to request for renewal of the card as I found it extremely poor in service . I had other good cards. I paid all dues promptly against all transactions tll the expiry of the card.
And never made any transaction after the expiry of the card. But SBI contnue to send me statements even though they did not send a new card to me. They charged annual fee, then some insurance and then something . And the total dues keep on mounting up with expectation that one day I will pay everything or else they can torture me to do so.