i'd applied ONLINE for the icici silver credit card. my reference no. is IO85000513546. The icici people came everywhere. in my office, my home. called my permanent address, phone no. etc. they verified everything. but when i asked for any documents required, they said other people will come to collect it. now after many days, when i'm calling the customer care to know the status of my application, the CSE says that your application is under process, where as the Electronic system says that we cannot process your application at this time, try later. does this question my credibility or icici's inability?
otherwise, if the aggressive credit card sales people call you with an special offer "only for you"( there are many "you"), there is a different picture altogether.