Shailesh Dubey
Senior Analyst, Deloitte Support Services India (P) Limited - OS&T

Here are some of the points I need to share with you with reference to credit cards loans:

How appropriate to talk about the pros and cons of credit cards when the creditworthiness of the individual is getting increasingly questioned in a volatile economy.

I own four credit cards (Citibank, ICICI, BarClays, and HSBC) and prefer to use just two (Citibank and ICICI).

Reasons: Well, friendly customer care, especially Citibank. ICICI needs to pull up its socks to get things moving. Often, their customer care executive sounds like they are just back being harangued from a vegetable market.

Both Citibank and ICICI have great offers for their platinum cardholders which kind of gives a feeling of being truly privileged.

Both Citibank and ICICI do offer EMI options for your purchases, however, they need to tweak the interest rate because when they get cumulated, they become exorbitantly high.

ICICI bank should modify their reward-point redemption programme and should include some more merchants in every cities (like Citibank).

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Reader invite

How many credit cards do you own? Are you happy with your credit card company? Is there anything that you hate about your credit card and would want to change? Also, is there anything that you love about your credit card?

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