What an irresponsible answer Prof. Tejinder Singh. How could you give an open view to a person, not to use a credit card for which he has signed, and that too of an well acclaimed bank. This is the biggest problem in our country. People just fall for the word "credit card", and if some marketing agent offers him one, he would sign without reading the terms and would go for it. But that doesnt mean that ICICI is bad or that he should cancel his card. Well Mr. Pankaj... I have a suggestion for you. If you remember that you had not given any of your bank account information in the application, then you can surely use the credit card. As mentioned by another rediff user, an average american has atleast 2-3 credit cards and using credit card is mandatory here to build credit history. But even here in US, we have to pay the money before due date. So likewise... go for the credit card. Use it. Then pay the due before due date. Dont make late payments. Then no goondas would be at your door.
