I used sbi credit card for more than 10 years besides some other credit cards. But again and again I had problems. Worst at the Covid 19 lock down curfew person more than 40000 late payment charges. Interest and so on charges slapped on me. Shockingly I cleaned every penny before due date and asked to close my account and again sent more bill for even in time paid bill. As I told I closed my card I am told yes spending is stopped. Pay more without replying what for my intime 40000+ original payment.