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 cheques 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.

My monthly credit card statement is 27th of every month. My last statement for the month of August was received by me with a total amount outstanding Rs. 12666.48 with the last date for payment as 16/09/2006. The payment for the same was made by Bank of India Cheque No. for the complete amount o/s Rs. 12666.48 on 12/09/2006.

Yesterday on 22.09.2006 I receive a call from Ms. Sonia from SBI New Delhi (011)41588229 saying that I have Rs. 760.00 outstanding against my credit card and the same should be deposited today itself for which purpose an employee of SBI Cards will come to your office to collect the payment. Later during the day Mr. Naresh Shandil from SBI Cards Shimla comes to my office and asks for the payment. I showed him all my card statements and told him that the full payment for the o/s amount has been made on 12.09.2006. Mr. naresh calls up Ms. Sonia at Delhi office again... She tells to give a fresh cheque dated 25.09.2006 and the previous cheque will be returned to us by courier... WHAT IS HAPPENING ? A new cheque to be issued for what reasons? I am really fed up with the services and moreover I am getting calls again and again that "o/s amount should be deposited immediately.

She even told us not to use the DROP BOX for making payments. What all is happening? This has become a big headache for us.

J.N. Chandla.