A growing bank with filled of disgusting and fake. Review on Yes Bank

I had been forced to take credit card by Yes Bank representatives. Unfortunately, i've taken the card as he confirmed that it is a life time free card. since then i've not even used that card. but suddenly I saw an email saying that I have an outstanding of Rs 900. When I have opened the statement, it was already a due statement with late payment charges. Then i've recollected all my old statements and then found that the charges were against the annual membership fee of Rs500. Within 2 months it was accummulated as 900+. I've called the person who has sold the card to me and informed. He was replying that it was charged wrongly and he has taken up the case with his boss. After that he did not pick my call. After waiting 1 week, i've lodged the request in customer care to cancel the charges and close the card. bank customer care did not accept my request saying the charges can't be reverted. Then i've informed them that i'm leaving country. Then immediately, they accepted the request. After two days, one lady called me and said I need to pay the full amount to close the card. I was informing her that the charges were debited wrongly and the same is not applicable. But she was telling, if you have any writen statements from bank, pls give and i'll close it. Then after arguing for 15 minutes, she was telling to pay rs 250. I said, i've not even used the card and why should I pay. She was telling that "since I have not informed bank immediately after receiving the annual membership fee statement, it has accumulated to 900. So it is the customer mistake on not notifying the bank on wrong charges. I got angry and said, I can't pay a single fills and pls take legal action. She said, u can go anywhere but u have to come to me only to close the card. Then the next statement came where I surprised to see that all my charges are reverted. Then only I understood the rude and irresponsible behaviour of bank employees. They tried me in all the ways to take money from me even it was very small amount . Hence it is always better to be away from credit cards especially Yes bank. Pls raise the warning to all.