Never Go For Unsolicited Credit Cards

Beware! You get calls on your mobile all the time offering you credit cards with lots of promise. The freelance agents will tell you it's a lifetime free card and many other features. But these features will be missing in the agreement form of the bank if you decide to take it. When you confront him the agent will confirm again it's free.

Problems start sooner than one year. If not backing out on other promises the bank will definitely charge the annual fee after a year. Enraged, you will ask them to cancel the damn thing. But they will go on postponing it and go on harrassing you for payment threatening legal action. I'm still having such a problem with the largest nationalized bank of India, the State Bank of India. So, what to expect from others? It's better not to make such mistakes at all.

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