I have used SBI card. and they charge Late fees even if the payment is received well before the due date.
For eg. my December 2006 statement had due date 29-Dec 2006 and I had paid by 16-Dec 2006 which is reflected in January 2007 statement. and still these cheaters charge around 400 Rs for late payment. Again the january statement had the due date of 29- jan 2007 and I had paid on 18 Jan 2007 Still these fraud people charged as "Fee - Payment not received by Due Date" as 392.84 Rs.
This is very ridiculous . Also the custome care number is not reachable. So I dont know how to get this problem resolved.
Also the customer care number 39020202 is never accessible. It gives engage tone as a ordinary telephone number. Really sick company.
Even if you try hundred times from mobile or landline you will hardly be able to get connected.
Only once I remeber getting through this number was early in the morning aroud 6am.
this is shameless company and does not care for its customers.
Never use SBI Credit Card.