I have an Icici bank credit card with a small limit – under US $ 1000 – and I use it to the fullest possible extent. Lotsa travel, cell phone bills, net based purchase…etc – but sensibly pay off in full. I never need to exceed the limit – and most of the times I pay in excess and leave a credit balance.
Having said that I keep getting calls from Icici bank regularly offering a new card. I keep saying No. I do not NEED a new card.
SBI offered me a card and after I filled up the form, and they processed it, they said they could NOT give me a card. I got a little worried – it normally means a poor cibil report, right?
Well in this case they HAD NO CLUE why it got rejected…so they said please RE-APPLY. So I applied again. Result was the same.
Now they are chasing me again….OMG how many copies of all my life documents are they going to need?
Hdfc Bank peacefully gave me a card with a limit of US $ 10000 – and I do not use it much. It is too damn expensive to lose, right? well be that as it may…..I do have a card.
Yesterday i wanted a limit of Rs. 10k for 2 days – I had paid through Net banking – and it takes my credit card company 3 days to give credit…..but I guess they should have been able to see it in their system…..
The call centre (which calls me regularly to give me 75k limit) had NO POWER to give and extra 10k!
Surprised? Well I am not. This is par for the course i was told….
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