Hello Ram , Mind ur language,from ur comment u seem to be working in bank.And to tell you you don't do any charity ok, you guys charge interest like hell, and for your information all bank guys get paid because of the interest we pay. To tell you we don't beg but bank itself begs to take loans,credit cards and what not. Did you forget all the phone calls made to all the people begging to take loan and credit cards. so keep ur mouth shut,and see the actuals before comenting