I have a fairly high card spend, monthly goes to a lakh or so easily. Earlylast year, 2005, I got stung by the AmExIndian Airlines deal, and made the first mistake of filling in a form.
In due
course I got an AmEx card. So far so good.
Then I ordered some air tickets. No luck, they just did not deliver. The Indian Airlines upgrade coupons are useless too, you can not utilise them unless you buyy a full fare ticket, which is costlier than a Business Class ticket bought using coupons on the same route.
So I just used it and decided to tell them to cancel it before the year was over. Stopped using it too. Used up the reward points to pick up a DVD and then cut up the card
Next thing I know, they bill me for yet another year as well as the usual parade of add-on charges, delinqueint charges, and every other charge under the world.
So now I decided, I am going to take them to RBI, to CORE, to RTI Act through FinMin, the works.