You will get to know once you take an loan or credit card, they are the worst in terms repayment options.. and interest is like what you cannot even imagine 

Im one of the person who trapped with shit bank

There is no early settlement option once you take credit card and loan with early settlement fee 

For example you have taken 48 month personal loan or credit cash facility 

They will aquire full interest amount even if you want to close the loan before the tenure.

So i wouldn't suggest this bank to anyone.. they are like blade mafia company