Haha...going by that logic anybody who speaks in favour of the banks is an agent/associate and anybody speaking aginst them a victim... To be honest enough I am neither of the above.. I am an entrepreneur selling projectors who business is being financed by various credit cards...If u need a home projector to watch TV/movies/play games or even presentations I could sell you one for Rs 25K... Your negative view towards the banks on credit cards is biased..