Once there was a time when I didn’t have a single credit card. I never felt the need for any card. My dad still doesn’t have a single one. Everytime someone offers him a card, he says “I don’t want any credit!!”
I applied for my first HSBC credit card 4 years back and paid 2K as annual fees!! Times have changed and now I have 6 credit cards and all are free.
The first HSBC card has also become free now, I have 1 more HSBC card, 1 SBI and 3 ICICI cards.
I had applied for ICICI card almost 6 months back and when nothing came, I thought my application is lost somewhere. But I was surprised to receive, not 1 but 3 cards after such a long time. First week of September was pretty hectic!
Everyday there was some mailer from the ICICI - 3 cards, 3 pins, site password and some other miscellaneous mailers! They kept coming in from ICICI.
Some days back I received yet another marketing call, this time from Citi Bank, offerring me a lifetime free credit card. I asked whether its VISA or MASTER? Caller said its MASTER. Out of the 6 cards that I have 4 are VISA, 2 are AmEx. So I agreed for 1 more card. I was told that they only need a copy of my PAN card, LIC premium receipt and my autograph
on their form.
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