Its worst bank in the world. Dont open your account in this bank. They are fraud. I kotak credit card i paid 1 year ago all my debt but they charged me now as well. In last month again i cleared 2077 final amount, and now again they are charging 1899 agin. Main point is they closed my credit card previous year and i cant c my due amount in online application. They messaging me for due amount and sending link for due amount. I dont konw what i have to do.