The wise obviously stay away from ICICI credit cards. In my case, they cd not set right the excess billings for 4 months in a row and yet the collection ladies wd keep worrying me on the phone. One of them even had the audacity to send a collection agent before the due date to "gherao" me. I put my foot down, had them deduct all excesses and threw the cut pieces of he card into their face ! One senior ICICI official confessed: This Bank has grown too big in too short a time and all control systems have floundered. You are not alone in being hassled." I am 100% happier with out their cards. SS Kumar
RE:Invite disaster with ICICI credit card
by Yogi on Feb 05, 2007 10:17 PM Permalink
Please dont generalize like this...ICICI credit card may be a pain in a few odd cases but for millions including myself is a blessing...There are so many beautiful things in life I couldnt have managed without an ICICI credit card..They are still the best managed credit card company in India...A few odd cases and the people and Rediff are ever ready to bash the banks.. The banks are a part of our society...Credit cards gives u lakhs of rupees with an interest free period from 40 - 60 days...Moreover many other Internet and Overseas purchases can be done.. I would have faced a tough time taking an ordinary loan from a bank...My life runs on credit cards..An average American uses 7 credit cards..I dont see why should India be so against them.. Banks cant allow people to walk away with the money and in the process create difficulty for some innocent people but this not be seen as a wrong system all together...We should try and help the banks peform better by highlighting our concerns and problems.. Throwing away the card is a lack of matured behaviour...
RE:RE:Invite disaster with ICICI credit card
by Rajiv on Feb 05, 2007 11:07 PM Permalink
Congrats yogi, You are one out of trillions who has not been harrassed by ICICI Bank.My deepest regards to u.
RE:RE:RE:Invite disaster with ICICI credit card
by Alpana Chakravarty on Feb 06, 2007 12:18 AM Permalink
Rajiv, Yogi is obviously an employee/associate of ICICI Bank. Otherwise, who in their right senses would take up their case. It is one of the worst managed banks around.
RE:Invite disaster with ICICI credit card
by Ankit Choudhary on May 10, 2007 07:38 PM Permalink
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.
RE:RE:Invite disaster with ICICI credit card
by Anurag Shukla on Feb 06, 2007 06:10 AM Permalink
Average American cannot live without Credit Cards. 67% of American GDP is Public Debt. All is not rosy as it seems. The days are very near when the Dollar will fall and then people will Cry out loud, why no one informed them. So, please don't give examples of American Using 7 Credit cards. If you understand Hindi, then read this 'Pair (legs) utna hi failana chahiye jitni chaadar ho'. This does not means that you don't take loans. But you need to be diligent while take any money on Credit. Every one is here to make money. If you don't watch your back, then these credit Card companies will steal everything from you. You say about America. Read the business tactic of Capital one and how they make money. It is just one example how a consumer is screwed.
