I have stooped using SBI Credit card. I called them to deactivate the card they said they did it, next year I got a bill for annual fees I again called they said you need to pay fees then we will disconnect the card. I paid then again I got annual fee in different year, then again they said they will apply for waive off the annual fee then asked me to pay 25 rs then told me to deactivate the card around oct 2022, I am still getting credit card statement mail.
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