You are not alone dear we also face the same problem, I do not know how the people still go to them.
First and foremost it is an applaudable step from the govment about the JAGO GRAHAK JAGO. inspiring by this ad. i am making my complaint about SBI CARD. With due respect I am stating that on the request and terms and conditions explained by the On receiving the bill first i contactected the help line of the said card. they informed me that this is due to the payment cylce. and U have to pay the delayed payment interest. when i asked for the 45 days relaxation they were mum. after that I cut the call, this shows that how they realy care for their customes.