I would agree with Ravi. Why not those bank ppls send the agents to the big fishes like politicians and big buseness man. also would like to make a point that why do the sales dept keeps harrassing the common man to take loan. they will call thousand times and visit thousand times and even if you make any excuse they will say no problem i will arrange and u just take the loan or credit card. from where do they arrange all those things and how. there might be so many credit cards in so many fake names used and thrown and nobody bothers about it and all done by those agents and bank harrases the common helpless man who is unwillingly pulled in this plot by those agents.