Yogi is an ICICI bank ass kisser. I don't have a credit card,neither do i need one( don't approach me YOGI). ICICI is one disorganised,useless,money eating, life sucking bank.Unfortunatley people are under the impression that it's a good bank,please wake up and smell the coffee! U can't call the same person twice in the bank, their executives are harassed and shouted upon by many customers, this forces them to leave.Trust me, it may be employing good people but these people leave real real soon. I'm never getting into ICICI's traps.