Comments on: Hmm. Bad… ICICI Bank

By: Maverick

Maverick — Sun, 23 Nov 2008 19:38:58 +0000

In the last few years, the easily available credit cards and loans in the
market have superbly enabled us to increase our purchasing power way beyond
what our salaries ever could.

I can now buy just about anything on EMI by availing of these loans and
credit cards - be it a car, a house, expensive jewellery or a branded watch
that costs almost more than 10 times my salary! What bliss…. and all
because of the availability of credit at this age. Its a lifestyle I
so enjoy, but one which I know I must curb at some point. I have been
telling myself that I should stop spending too much on my card because the
bills at the end of the month tend to bother me. This heavily
credit-dependent lifestyle makes me feel good and experience things I
couldn’t
otherwise, but it also stresses me out every now and then. I tell myself and
I want to stop but I can’t seem to! It’s almost like an addiction now. It’s
frustrating every now and then.

Anyway, logic not prevailing, I have been continuing the same lifestyle. I
don’t think I will ever be able to stop it completely but regulating the
habit is something I am looking at now. I have begun to search for some way
in which I could possible get some professional guidance on “how
much” of this indulgence was ok for me at each point. To what extent could I
indulge and still manage to pay my bills and EMIs? To what extent can I
afford to live on credit and yet not be stressed about the bills?! How many
loans can I take and still manage to pay off the EMI’s comfortably every
month so that I am not in a situation where I have no money in the last week
of every month!?? For how many months of
the year can I afford to continue paying the minimum on my credit card?

Would any of you be aware of any such service that I can avail of? Who do I
approach for such advice? Would be great if you could write in and advise me
people!

By: PV

PV — Thu, 02 Jun 2005 17:42:35 +0000

After I closed my account in ICICI due to bad customer service I came to see the dark side of the face of Indian Banking. I never had an ICICI check book but they claim I issued a check for 1000$ and amazingly they also claim the check cleared (inspite of 0 balance) and now they have -ve balance in my checking account !! JAYANTHI GIRIDHARAN in Ashok Nagar branch had to search for 2 weeks to come up with some fictional pathetic excuse - They don’t even want to accept that they screwed up. Stay away from ICICI !!

By: PV

PV — Thu, 02 Jun 2005 17:42:35 +0000

By: PITA Friend

PITA Friend — Sun, 22 May 2005 04:01:13 +0000

i dropped a ICICI cheque to pay my hutch bills but forgot to sign it

It amazing tht w/o even signing the cheque it got encashed, hutch got the money till the time i realised i forgot tosign it. An sms came thanking me for paying the bill.

By: PITA Friend

PITA Friend — Sun, 22 May 2005 04:01:13 +0000

i dropped a ICICI cheque to pay my hutch bills but forgot to sign it

It amazing tht w/o even signing the cheque it got encashed, hutch got the money till the time i realised i forgot tosign it. An sms came thanking me for paying the bill.

By: Sushubh

Sushubh — Thu, 19 May 2005 18:44:24 +0000

thanks

By: sushubh

sushubh — Thu, 19 May 2005 18:44:24 +0000

thanks

By: Ankur

Ankur — Thu, 19 May 2005 18:36:33 +0000

Good Luck…

By: Ankur

Ankur — Thu, 19 May 2005 18:36:33 +0000

Good Luck…

By: Sushubh

Sushubh — Thu, 19 May 2005 17:27:45 +0000

i am not exactly sure. i was smoking a cig. and she kinda wont be associating with the dark side.

i will try to find her out somehow… she is quite an important friend.