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	<title>Comments on: IC so much IC shit I do</title>
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	<link>http://www.withinandwithout.com/2005/02/ic-so-much-ic-shit-i-do/</link>
	<description>Arbitrary Obsessions. Cities. History. Music. Feminism. Maami-isms. Patterns. Halwa. Identities. Free Verse. The Internets.</description>
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		<title>By: Vijay</title>
		<link>http://www.withinandwithout.com/2005/02/ic-so-much-ic-shit-i-do/comment-page-1/#comment-7673</link>
		<dc:creator>Vijay</dc:creator>
		<pubDate>Tue, 24 Oct 2006 14:21:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.withinandwithout.com/?p=339#comment-7673</guid>
		<description>I&#039;ve had on and off experiences with ICICI. Some cases the experience was harrowing, like the earlier example of credit card.

I guess every Indian bank has an fat grease layer on their senses, you need to use the stick to get the message through. So unless you stand up and ask, they wont listen to you.

You would have seen the way late fee payments are promptly added to your card statements, but discounts wait till the end of the billing cycle to appear !!

So &quot; Lado, Maango aur Apna Haq paao&quot;.</description>
		<content:encoded><![CDATA[<p>I&#8217;ve had on and off experiences with ICICI. Some cases the experience was harrowing, like the earlier example of credit card.</p>
<p>I guess every Indian bank has an fat grease layer on their senses, you need to use the stick to get the message through. So unless you stand up and ask, they wont listen to you.</p>
<p>You would have seen the way late fee payments are promptly added to your card statements, but discounts wait till the end of the billing cycle to appear !!</p>
<p>So &#8221; Lado, Maango aur Apna Haq paao&#8221;.</p>
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		<title>By: ShittyBank Customer</title>
		<link>http://www.withinandwithout.com/2005/02/ic-so-much-ic-shit-i-do/comment-page-1/#comment-4934</link>
		<dc:creator>ShittyBank Customer</dc:creator>
		<pubDate>Mon, 11 Sep 2006 20:11:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.withinandwithout.com/?p=339#comment-4934</guid>
		<description>Don&#039;t even get started on the ShittyBank, oops, CitiBank - they levy all kinds of spruious charges disguised as &#039;customer service&#039;. Their helpdesks are totally clueless, and did I mention that they give no interest on the deposits. The only saving grace for ICICI is their website that&#039;s infinitely more functional than the Citi, HDFC and the likes, even beats some of the western counterparts hands down.

PS: Seems like banks have Indianised the &#039;customer&#039; = kasht-maar - kill with pain!</description>
		<content:encoded><![CDATA[<p>Don&#8217;t even get started on the ShittyBank, oops, CitiBank &#8211; they levy all kinds of spruious charges disguised as &#8216;customer service&#8217;. Their helpdesks are totally clueless, and did I mention that they give no interest on the deposits. The only saving grace for ICICI is their website that&#8217;s infinitely more functional than the Citi, HDFC and the likes, even beats some of the western counterparts hands down.</p>
<p>PS: Seems like banks have Indianised the &#8216;customer&#8217; = kasht-maar &#8211; kill with pain!</p>
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		<title>By: BlogCamp India: Day One Report &#171; Citizen Journalism in India</title>
		<link>http://www.withinandwithout.com/2005/02/ic-so-much-ic-shit-i-do/comment-page-1/#comment-4912</link>
		<dc:creator>BlogCamp India: Day One Report &#171; Citizen Journalism in India</dc:creator>
		<pubDate>Mon, 11 Sep 2006 11:21:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.withinandwithout.com/?p=339#comment-4912</guid>
		<description>[...] Chennai, India: Atul Chitnis credits blogging for spurring Domino’s to open a branch near his house in Bangalore. He said his posts about Domino’s not delivering to his neighborhood, a fact commented upon and picked up other Bangalore bloggers, inspired the pizza chain to actually mail him and ask him where he lives. “A branch is soon opening up, well, not next to my house as I would like it to, but close enough for them to deliver.” Neha Viswanathan’s spleen on some of local ICICI Bank’s policies caused the hapless bank to write to her offering to help, she said. [...]</description>
		<content:encoded><![CDATA[<p>[...] Chennai, India: Atul Chitnis credits blogging for spurring Domino’s to open a branch near his house in Bangalore. He said his posts about Domino’s not delivering to his neighborhood, a fact commented upon and picked up other Bangalore bloggers, inspired the pizza chain to actually mail him and ask him where he lives. “A branch is soon opening up, well, not next to my house as I would like it to, but close enough for them to deliver.” Neha Viswanathan’s spleen on some of local ICICI Bank’s policies caused the hapless bank to write to her offering to help, she said. [...]</p>
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		<title>By: GigaOM &#187; BlogCamp India: Day One Report</title>
		<link>http://www.withinandwithout.com/2005/02/ic-so-much-ic-shit-i-do/comment-page-1/#comment-4755</link>
		<dc:creator>GigaOM &#187; BlogCamp India: Day One Report</dc:creator>
		<pubDate>Sat, 09 Sep 2006 16:48:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.withinandwithout.com/?p=339#comment-4755</guid>
		<description>[...] Our India correspondent is in Chennai, India covering the first Blogcamp, India&#8217;s largest unconference of bloggers. She will be filing occasional updates and indepth reports on the event - Om Chennai, India: Atul Chitnis credits blogging for spurring Domino’s to open a branch near his house in Bangalore. He said his posts about Domino’s not delivering to his neighborhood, a fact commented upon and picked up other Bangalore bloggers, inspired the pizza chain to actually mail him and ask him where he lives. &#8220;A branch is soon opening up, well, not next to my house as I would like it to, but close enough for them to deliver.&#8221; Neha Viswanathan’s spleen on some of local ICICI Bank’s policies caused the hapless bank to write to her offering to help, she said. [...]</description>
		<content:encoded><![CDATA[<p>[...] Our India correspondent is in Chennai, India covering the first Blogcamp, India&#8217;s largest unconference of bloggers. She will be filing occasional updates and indepth reports on the event &#8211; Om Chennai, India: Atul Chitnis credits blogging for spurring Domino’s to open a branch near his house in Bangalore. He said his posts about Domino’s not delivering to his neighborhood, a fact commented upon and picked up other Bangalore bloggers, inspired the pizza chain to actually mail him and ask him where he lives. &#8220;A branch is soon opening up, well, not next to my house as I would like it to, but close enough for them to deliver.&#8221; Neha Viswanathan’s spleen on some of local ICICI Bank’s policies caused the hapless bank to write to her offering to help, she said. [...]</p>
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		<title>By: T.G.Shetty</title>
		<link>http://www.withinandwithout.com/2005/02/ic-so-much-ic-shit-i-do/comment-page-1/#comment-2627</link>
		<dc:creator>T.G.Shetty</dc:creator>
		<pubDate>Fri, 14 Jul 2006 17:19:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.withinandwithout.com/?p=339#comment-2627</guid>
		<description>Avoid ICICI Bank. It is not a bank. It is a bunch of day-light robbers!
I had the misfortune of opening a Savings account with ICICI, because their agent was after me day and night. I realised their auto-invest plan was so much junk on the first day itself. they automatically carry off any balance in excess of Rs.5000 to a Fixed Deposit. Great!You can withdraw it anyday you want- they say. What they don&#039;t tell you is that if you happen to  withdraw the amount even a single day before 1 year,( on first in first out basis!) you will lose the entire interest, gyping you out of even the mandatory SB interest!

I opened the savings account One year back on a so called special offer of minimum balance of Rs.2000. Any nationalised bank would have given you interest on that amount at SB rate and the money would have grown. But within one year ICICI charged a service charge(for a non-existent service) Of Rs 800 800 200 and now my balance shows Rs.158, without withdrawing a single paise! I guess next quarter they will charge another 800 service charge and come knocking at my door to remit the dues!
If you don&#039;t call this a robbery, I don&#039;t know what else is!</description>
		<content:encoded><![CDATA[<p>Avoid ICICI Bank. It is not a bank. It is a bunch of day-light robbers!<br />
I had the misfortune of opening a Savings account with ICICI, because their agent was after me day and night. I realised their auto-invest plan was so much junk on the first day itself. they automatically carry off any balance in excess of Rs.5000 to a Fixed Deposit. Great!You can withdraw it anyday you want- they say. What they don&#8217;t tell you is that if you happen to  withdraw the amount even a single day before 1 year,( on first in first out basis!) you will lose the entire interest, gyping you out of even the mandatory SB interest!</p>
<p>I opened the savings account One year back on a so called special offer of minimum balance of Rs.2000. Any nationalised bank would have given you interest on that amount at SB rate and the money would have grown. But within one year ICICI charged a service charge(for a non-existent service) Of Rs 800 800 200 and now my balance shows Rs.158, without withdrawing a single paise! I guess next quarter they will charge another 800 service charge and come knocking at my door to remit the dues!<br />
If you don&#8217;t call this a robbery, I don&#8217;t know what else is!</p>
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		<title>By: fozylet</title>
		<link>http://www.withinandwithout.com/2005/02/ic-so-much-ic-shit-i-do/comment-page-1/#comment-16</link>
		<dc:creator>fozylet</dc:creator>
		<pubDate>Tue, 21 Mar 2006 21:32:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.withinandwithout.com/?p=339#comment-16</guid>
		<description>A colleague also had a very bad experience from Citi/ICICI. &lt;a HREF=&quot;http://saj.in/blog/diary/88/identity-theft-banks-not-competent-enough.asp&quot; rel=&quot;nofollow&quot;&gt;See here&lt;/A&gt;</description>
		<content:encoded><![CDATA[<p>A colleague also had a very bad experience from Citi/ICICI. <a HREF="http://saj.in/blog/diary/88/identity-theft-banks-not-competent-enough.asp" rel="nofollow">See here</a></p>
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		<title>By: Prashant</title>
		<link>http://www.withinandwithout.com/2005/02/ic-so-much-ic-shit-i-do/comment-page-1/#comment-15</link>
		<dc:creator>Prashant</dc:creator>
		<pubDate>Sun, 04 Dec 2005 18:17:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.withinandwithout.com/?p=339#comment-15</guid>
		<description>Hi! 
The story continues. Thanks you heavens that you have not applie for a credit card from these bunch of jokers. The service woes are just going to multiply if u did. They are down right shoddy and unethical on this aspect.
Read the story by typing&#039; Fraud ICICI credit card &#039; on google. Most entries are about the fraud that these blokes try after getting the forms filled.
STAY AWAY is the advice.</description>
		<content:encoded><![CDATA[<p>Hi!<br />
The story continues. Thanks you heavens that you have not applie for a credit card from these bunch of jokers. The service woes are just going to multiply if u did. They are down right shoddy and unethical on this aspect.<br />
Read the story by typing&#8217; Fraud ICICI credit card &#8216; on google. Most entries are about the fraud that these blokes try after getting the forms filled.<br />
STAY AWAY is the advice.</p>
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