M4Madhu ji, Kun chain ho teo Hitel bhanne.. latta le dinuhos na gayera. Bhudi maa or on their bollucks.. (excuse my french!) because they deserve it. These tel ppl, not all of them but some, do rip you off - I have been there not once but many times. It would be worth asking your acquintances first prior to buying these cards - that is what I do..