Bank/ Credit Unions

I am using city bank credit card since last 2 years. It is the WORST Credit card, not only me but many of my friends also saying the same. they dont accept cash like other banks and they have the fk..in procedure through atm to pay . In a city like bangalore they have only one main office on mg road and the other very few offices. one day when I went to their office to pay cash, they said that they dont accept cash and asked me to drop a cheque, so I dropped a cheque ( 4 days b4 last date) and after few days when I checked they said the sign is not correct and they charged me 1600 rs, (this is not the first time they returned my cheque) and when I called them they said i have to pay the full money otherwise they will charge me again extra, so I ended up paying 3000 extra.When I called the citybank call center to speak to their manager they said they cannot transfer the call to their manager for these reasons.
so I advice all of you not to use this WORST CITY BANK Credit card.
Thanks