I have many other credit cards and never faced this before. SBI credit card, opted few months bank. I got the card, and they asked me if I want to opt for Insurance policy, ie Rs.3500/= i opted. Now, i have made no transaction. only 3500/= on my card. I couldn't pay for 2 months. I got a call from customer service asking me to pay minimum balance. I was ready, i asked him to give me a call and next day I will make the payment.

He started irritating me over phone, asking all my office details, my office number, which floor i sit and many such questions, i told him politely come tomorrow and take payment, i am busy today, cant answer your questions.
He irritated me as if he was commanding me and spoke very rude. He didn't turn up next day for payment.

After 15 days another female executive calls me and asks me to pay minimum due, i told i will make the full payment next month or if possible next week. Her language was bad, she used all kind of words, and also was trying to speak as if she is going to harm me, and she told me that at any cost i have to make payment and she will send her executive next day to office, though i wasn't ready for it.

This is the worst, SBI is irritating and they are torturing. Though i agreed to pay, and the payment wasn't huge and that too its for SBI Insurance.

Please never in life go for SBI< its worst. Horrible!!!

The customer service has been very harsh and has not been helpful. They are rude and often end up giving wrong information to the clients. For eg. I dropped a cheque in one of their ATM in Bangalore and the amount was not deducted from the statement. When I checked with the customer service they told me that they don't pick up the checks from the ATM. Immediately I issued a fresh cheque and made the payment but my previous cheque which the bank promised me that wont be picked up was also used. And when I call the bank they say that they cant help it. There were several other incidents like this.

This is with reference to State Bank of India Credit card.card no. 5264 6854 4409 8824. Without my authorization they have paid to Sundaram finance for a health insurance policy an amount of rs.1827/- and soon as the policy was issued i refused it because i didn't want it. Sundaram Finance said that they would pay back it to SBI credit cards. But the amount credited was 1553/- on 20 march 2007.

Since from the day I got card i didn't use it for any transaction. They have added default fees every month and say i have to pay rs.2473/-. How can I deal with this problem?

I have not authorized anybody to issue a policy.

I have registered a complaint with the card division for billing 9634Rs on 3/6/2006. It was not yet resolved but they go on adding service charges and interest charges on this amount and harass me to make payment in spite of my explaining to them the reason for non-payment. Daily numerous calls were made by their staff and the language they use is not proper. Suitable action must be taken for using bad languages for collection.

I have not been given access to internet banking even though i have applied for it 4 months ago.