One big PSU bank – which has been actively wooing me to open an account- called me and offered me a credit card. Here is the story. No exaggeration. Please believe me, it is the absolute truth. I anyway did not want the card, so can laugh at it, but if somebody wanted a card this would have been a nightmare.
Scene I Act I:
Bank: Sir you have been selected to be issued a credit card with a Rs. 4 lakh limit.
Me: Fine. Tell me what to do
Bank: Sir our man will come at 4pm and collect: your pan card copy, pay slip, one photo, filled in form, visiting card….
The representative came at the said time….and collected everything.
Bank: Sir you have not given an address proof, so we need a letter from the company and a pay slip with company seal.
Sms: Your credit card request has been declined.
Scene II Act II
Bank: Sir you had applied for a credit card with our bank, had you not?
Me: yes, but you had cancelled it, right?
Bank: Yes Sir, but for our corporate relationships we should not have rejected it…so we are issuing it….
Me: Thanks, send it to me.
Bank: Sir you need to give us a copy of your visiting card, photo, salary slip pdf, a photocopy of your existing card, photocopy of your pan card, a copy of your bank account, …..
Me: Hey I have given it to you…
Bank: Sir those documents are sealed as soon as we cancelled..so you will have to give it to us again. Our man will come at 4 pm….
He came at 4pm and collected all the documents…ONCE AGAIN.
Bank: Sir did you apply for a credit card….
Me: OMG yes, I did
Bank: Sir this is just a verification call…are you still there…and…blah blah…
Me: Yes, thanks
Bank: sir you will get your card in a couple of weeks…all the formalities are over.
Bank sends me an sms saying ‘your card has been refused’
Scene III Act II:
Bank: Sir had you applied for a credit card with…….bank?
Me: Yes maam
Bank: Sir your card should not have been rejected, sorry sir.
Bank: Sir we are issuing a card…we need the following documents – one photo, one pancard photocopy, one visiting card, one letter from the company, one photocopy of your existing card (or the latest statement),………..
Me: I have given all this and more at LEAST TWICE….what the….are you doing?
Bank: Sir we have sealed the documents…so we need the documents once again…it is a simple thing sir…one pan card…
Me: Amazing guys…you wanted to give me a CHARGEABLE card (Rs. 1499 first year), you have taken 2 sets of documents – that too important ones like pancard, address proof, passport, letters on company letterhead, ….NOW I DO NOT WANT A CARD FROM YOU. I do not want to open the savings bank account also….good bye.
I really was aghast at the amount of time they could waste (they gave me a blog post is a different matter altogether)…I am happy with the Icici bank and Hdfc bank cards that I have….do not need another card for the rest of my life anyway!
Amazing and to think that I used to have shares of this HUGE bank not long ago….
I think the story is simple.
When you are dealing with a finance company, utility company, government…..you feel tired and sad that you had to deal with them at all.
If I feel like that at this age, as time goes by it will ONLY get worse….
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