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Thursday, January 14, 2010


(Caller knows only the phone number from God knows where)

Caller (with relentless ease): Congratulations, Sir!!! You are the winner of a silver coin from our bank xxx
Receiver (wondering, what he did to deserve a silver coin): Ohhh…k
Caller (even sweeter): And along with it, we are glad to select you as a proud recipient of 8L limit credit card of our bank xxx
Receiver (now realizing that its one of those credit card callers.. throws): I don’t need credit cards. Don’t call me again!!!
Caller: Sir, Do you have a credit card with credit limit of 8 L. No other bank will give credit limit of 8 L
Receiver (realizing that the maximum credit card limit he has from existing card is only 1 L): ok, tell me the details..

(Long conversation follows. Receiver dreams that he is going to be a proud owner of a 8 L credit card)

Caller: OK sir, my executive will visit you to receive the relevant documents
Receiver: No problem. I will be ready with all the documents
Caller : Sir, just to confirm, where do you work?
Receiver (thinks…how can some bank offer credit card without knowing where he works, anyways): xxx company
Caller: Sir, if I may ask, whats your monthly salary?
Receiver (now thinks hard…how can bank offer 8L credit card without having prior salary information, anyways): xxxx/ per month
Caller: One, last question, sir, Whats your name?
Receiver (thinks even harder…silver coin, 8 L credit card etc without knowing name, salary and work, anyways): My name is xxxxx
Caller: Thank you very much Mr xxxx. My executive will meet you tomorrow evening and collect all the relevant documents

Next day: Executive collects all relevant documents
After one month: Caller receives credit card from xxxx bank

Some of the contractual points mentioned in credit card
1. Credit limit: less than 1 L ( That’s like 1/10 of 8 L)
2. Reward if you secure xxx points a month : 1 silver coin (which is possible if someone utilizes the whole credit card limit during the month)

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