If one person borrows cash its imperative that it has to be returned. There are many customers who make a transaction and simply dont return the cash. I have 2 credit cards for close to 8 years now and many times i have carried forward t balance by paying just the minimum due. Both banks havent resorted to such methods yet (touchwood!) Its very much possible that banks would have sent the goonda after sending legal notices which the customer would have happily ignored or shifted their residence/place of work. Because of such 'fly by night' customers the credit card risks are high and genuine repayers like me have to cough out 3% p.m (thas 42% p.a) to cover their follies. Damn you malpracticing customers!
