Several people are having a bad experience with State Bank Credit Card, myself included. The whole operation smells, run by outside-minimally-paid agents and there are gaping holes in the system which can rob your blind. Even State Bank employees personally advised me not to get one. They are known to overcharge and spuriously charge your account. There was a recent ruling against them from issueing further cards in our region. The bottom-line is stay away from State bank credit card if you can. All that glitters is not gold.