Any person, who holds an account, receives several calls from banks offering free credit cards and personal loans. Having handled several such calls at home for my parents, my instinctive immediate reply to any such calls is a big curt “NO”.
I hold a HDFC account which I was operating as a student. Lately, there are hardly any transactions with the bank, now that I have a corporate account. One fine day (fine until I got the call- then it was all doom) I get a call “Hello Mam, We are calling from HDFC credit card division. We are offering a free credit blah blah..”. What should I have done? of course give the usual stereotyped answer of “No, I am not interested”
How nice it would have been if it had been so.
After my initial refusal the guy persisted, it is absolutely free mam and went ga ga over the benefits of owning a card. I was at the work and this man was going on n on. I thought acha chalo the card is going to come free, lets just have the pleasure of swiping a credit card. After all I am a “working woman” now. I said OK. Dammal the damage was done!!/?!! .
That very same evening after I returned from office, two guys from the credit card division dropped in along with the forms. Talk about promptness. Having got the form filled they left saying the card will be mailed in another two weeks time.
Sanity, like the cops in Indian movies, came after everything was over. Over the weekend I mulled over the whole issue, it seemed totally absurd as to why I had accepted the offer. I carry two Debit cards with me and moreover I spend very little owing to the fact that with my parents around I never get open my purse. In short the credit card is of absolutely no use. (yeai all you guys twitching n saying “Penn budhi pin budhi“, it happens to anyone man).
To be continued…
… Got tired narrating my woeful story
BRB!