I have been a SBI card holder since a year, and i would say SBI is one of the worst banks i have dealt with. They dont know how to talk and behave with their customers. In one single day i got more than 5 calls asking me to pay the due and moreover they'll never call on time, they will delay for a month, after a month they call and ask for 2 months payment. I would request each and everyone not to deal with SBI cards or their banks. If you try im sure you would come to this website and lodge a complaint like me.