I applied for an ICICI Titanium credit card around mid of October 1007. The executive visited me, took all forms, photo, documents etc and told and told me that I should be getting the card in the next 2 - 3 weeks . He also told me that I will be getting a verification call, which I received too.

I got three verification calls (Yes, THREE!!) to verify my details, from three different ICICI personnel, asking the same information over the next two weeks and FOUR address verification, Two in Office and TWO in Home and I had to entertain all of them with all the information and additional documents they asked for verification (It was always the same thing and they would say that if they don’t present the documents, the verification will be marked as negative)

I called ICICI last week of October and was informed that my application "cannot be found" on the system!!!

Finally when I called the customer care (the hellish experience on earth) I came to know that my application got rejected (god knows for whatever reasons).

Whenever somebody tries to call icici bank and you will get many options. Upon selecting one option, you will get much more options and the process continues. By the time you speak to some human being (after selecting all unwanted options) you would have spent 10 - 15 mins wasting your phone call.

After all these drama, I came to know the result of my application. First of all, the executives who come to us makes vague promises telling that we are eligible for the card and promise 101 things. The actual truth is, these cheaters get an incentive for "every application form" filled, from the customers, whether the applicants get the card or not.

Wonder how they got to be No. 1 in credit cards.