This is how they loot you

I wanted to terminate my State bank credit card. But thy wanted annual fee to be paid before termination. Annual fee is charged in advance so why I have to pay the annual fee for termination. In any case I did not want to fight with the bank so dropped a cheque for Rs 800/ n the drop box. There was no response and no intimation. After a month I got another bill claiming that my cheque has become invalid and hence a penalty of R$s400/- was added to the original 800/-. I wanted to know the reason for invalidation and they told me that I have forgot to put the date on the cheque. All right this should have been intimated to me and either to put the date or issue a fresh cheque. No it is not the responsibility of the bank when it can squeeze some more money out of me on some pretext. Now I have dropped another cheque and await for further looting by the bank. I was told that the procedure followed is as per instructions of trhe reserve bank of India. Funniest of all thing is this is supposed to be a leading Public sector bank doing great service to its customers.