I come here with a real account, of tragedy of my life. The agony is such that, it leads me to wonder, what should I do? Should I laugh or should I be angry? But truly being part of it I felt its worth sharing as it may have certainly touched all of us, at some point in time.
I would not like to spoil the interest with all the silly talks which are growing the content of this account.
EPILOGUE:
India shining, and shining with a pile of reforms that set the economy roll on a roller coaster, within them came the liberalized credit policy that increased the ensuing plastic money circulation. I am not against any of those things that had been the part of my details, till now coz I already said that I saw
THE HAPPENING MOMENT:
As my other friends said, I too was quite sckeptical about telecallers, who would never know when to call? Some times you enjoying a good scene from your favourite movie, or you are happy that your phone kept silent for sometime, or you are enjoying the moment of your life,hitting in a loo! And suddenly your fone rings to enquire, would you like to have a credit card, or an insurance policy? I would bluntly reply "no!!!!!!!".
But with growing ambitions came new dreams and new dreams never come for free! They too require money to be fulfilled. Hence, I decided to own a credit card. I browsed through net interacted with friends to help me zero on a card that had versatile features like
Low interest rates
Longer grace period
Life time free (as told, I would always look for the definition of "Life Time Free")
And also a free add-on card
To my amazement I found allmost all cards have similar basic features(my research was tossed) so I thought, any call for credit card, I will take it. And here rang the phone, with unknown number flashing on screen. I picked up the phone with a shrewd smile and said, "Hello".
SERIES OF CALLS:
After decision to own a credit card for N number of benefits associated with it, I was actually waiting for the phone to ring and ask me for a card. Gradually based on my understanding I selected two credit cards that were to offer services suiting my needs. Say, it was my luck or intuition of credit card agents that, I was contacted within 3 days of my decision to own a card, and that too from the bank that I had zeroed. Well there were other calls also but I did not heed to them coz I was clear at decision.
After the confirmation for that I need a card, there were a series of calls from the executive who would turn up any time to collect all the necessary documents. After all he calling me twice and me calling at least 5 times he turned up to my office to collect the documents.
While filling up my form I had a lot of questions, I asked them but the blank look on the face of executive as if I was insulting him caused me to refrain from doing so (may be because, I could not get credit card for last 3 attempts, because of not being available at Bangalore, or asking a lot of questions to the credit card company agent). Any how after preliminary round of Q&A, I was happy that finally once again I have succeeded in filling a credit card form. The executive left stating that there would be a verification call soon. After an hour another agent tuned up and I witnessed all the formalities without asking a single question.
After two days the same lady from Bank 1 again calls up saying that, she does not recognize my photograph in photocopy of my PAN card. The brief conversation that we had was;
LADY: hello sir, this is ******** calling from **** Bank, you have applied for a Credit Card of our Bank.
ME: yeaaaaaaaaaah!!!
LADY: sir, I am sorry to say that but your photo is not recognizable in the photocopy of the PAN card; hence you need to provide a photocopy.
To this I said; why do you need to have a photograph of mine photocopied from a PAN card, coz anyway it is going to be hazy, owing to small size of card, instead you could ask your agent to collect a photograph of mine.
LADY: OK sir, I will get back to you soon.
Later in the day there was a call from, another bank stating that the address proof you have given has the address written in hindi.
LADY: hello sir, this is ******** calling from **** Bank, you have applied for a Credit Card of our Bank.
ME: hmmmmmmmm!!
LADY: well sir, in your address proof, your permanent address is given in Hindi, can you please provide some other proof like copy Passport or your Driving License as your address proof.
ME: madam, I have given you copy of my driving license, as address proof!
LADY: but sir, it is in Hindi I need address proof with address in English.
ME: Madam, What are you saying? Hindi is our national language and one need to learn it, don’t you know Hindi at all?
LADY: ok sir, I will see what could be done!
AND FINALLY:
I am still waiting for the card to be delivered. After 2 months one bank was generous enough to send me a message stating, “We regret that we could not process your application for Card this time, Sorry for the inconvenience.” Another bank did not even bother to do so. And finally this was my fifth time not getting a card. But to this time I had a chance to try again as the sms stated “we could not process your application for Card this time” so there lay chances of trying again…. And I will, till I succeed.
Disclaimer: all the incident quoted are real life account.
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