I owed 62 thousand rupees to citibank and i asked 3 months time for making the payment. But, the bank asked me to make the payment immediately promising me that i wont be charged any amount in future for the same cards, once i make the payment with in the due date. i did make the payment on time and the bank is trapping me now. bank promised me that once i make the settlement amount i will be sent the final settlement letter, but now the bank is doing faul plays. Please be careful with citibank india credit card, the bank is cheating the customers with delayed bills as well.