I've few questions to ask you to standard chartered. Hope you people understand their POLICIES:

1. How they can provide a credit card to a customer, without signing any application form.

2. Why they provide second card after the one, which is sharing the same limit.

3. If they provide one statement every month for any numbers of cards, with the same cumulative balance amount, then why they are not accepting one cheque for the complete outstanding.

4. If any person sent their credit cards back to them in pieces, then why doesn't they stop his statements at that time only. and ask for the bill settlements with the pending amounts.

5. How they can charge interest on the interest amount. 

6. Why their recovery agencies do not have complete data or information about the customer, that, why he is not paying back his payments.