I had been using Standard Chartered Credit Card for last two years and at the first opportunity I came to know how these banks make money, they make money by asking you to pay defaulting charges even when there is no default due, I had not been receiving credit card bills for last four months but the collection people were coming regularly and harassing us.
One day I got a call from supposedly an executive in a branch saying that all my default payments would be revoked if I made the payment which would have been due, believing in words I made the payment next month on receiving the bill I was surprised that no charges were removed and the balance that was shown was exactly the same.
On talking to their call center I was told that no such calls are made and that I am at fault, I do realize that I am at fault because I believed in a person, second issue which I think is critical that how can details of a person credit card be given to so many people.