subject:"Re\: \[AI\] are we not entitled for a credit card\?"

Re: [AI] are we not entitled for a credit card?

2021-06-16 Thread Mohib Anwar Rafay

Disability is not a ground to deny the services of a credit card. I
own more than  half a dozen credit cards from 4 leading banks, I put
my signature on the application form though.

On 6/16/21, Mahesh S. Panicker  wrote:
> Oh,
> Just checked, The RBI Ban on Amex and HDFC on adding new credit card
> customers is still there. HDFC, India's leading credit card provider,
> could have been another option as they usually don't trouble in the
> name of disability, but unfortunately, that option is closed for now.
> Will have to try ICICI, and if one can successfully open the instant
> account online, then trying for the Amazon Pay card could be a good
> option.
> Also, you can try applying for the Flipkart Axis Bank card. Try
> applying through Flipkart rather than on the Axis website.
>
> On 6/15/21, Vaibhav Saraf  wrote:
>> I think MX is currently banned from issuing any new cards.
>>
>>
>> On Tue, 15 Jun 2021 at 23:20, Mahesh S. Panicker
>> 
>> wrote:
>>
>>> Hi Austin,
>>> There is absolutely no way you can be denied a credit card on the
>>> basis of you being blind.
>>> I currently hold multiple cards from different banks. Had significant
>>> diffculties with some of them. But is you persist and escalate the
>>> matter to the top management, the issue should get resolved. We often
>>> will have to fight, but things should get done eventually. My first
>>> credit card was from ICICI. They initially refused me a card on the
>>> basis of me not signing. But after I persisted and complained about
>>> the issue, eventually they provided the card. I faced some issues with
>>> Axis Bank as well, but eventually they also provided. With ICICI, you
>>> can start an instant account through the iMobile app using Aadhar.
>>> Afterwards, check on Amazon/amazonpay, if you are eligible for an
>>> Amazon Pay ICICI card. If you have an existing relation with the bank,
>>> they will generate your card within a minute, and the physical card
>>> should reach you within a week.
>>> The one provider with whom I faced no issue whatsoever, it was
>>> American Express. I applied online, and the entire process was smooth
>>> didn't create any fuss about disability or signature. They don't offer
>>> life time free credit cards usually, and their cards have
>>> acceptability issues in POS terminals at times. If your area is
>>> serviceable for Amex, its worth exploring though as there are other
>>> benefits with an Amex card. And do let me know if you are planning to
>>> apply for any Amex cards, can help you with fee reduction and initial
>>> welcome option.
>>> Regards,
>>>
>>> On 6/15/21, shahid.se...@gmail.com  wrote:
>>> > Hey Austin,
>>> >
>>> > Primary prerequisite for getting Credit card is your Cibil score I
>>> > think
>>> > minimum should be 750.
>>> >
>>> > If you have a signature guide or can manage to sign I'd advise you to
>>> apply
>>> > online and never furnish anything concerning your disability.
>>> >
>>> > I hold 3 to 4 credit cards and among them recently I took Citi card
>>> where I
>>> > failed to comply with video KYC because of not being able to focus the
>>> KYC
>>> > documents properly 😊.Then  an executive came to my place and took my
>>> > KYC
>>> > documents.
>>> >
>>> > Visit to indianmoney.com to check your Cibil score freely.
>>> >
>>> > ---
>>> >
>>> > -Original Message-
>>> > From: accessindia@accessindia.org.in 
>>> > On
>>> > Behalf Of Austin Pinto
>>> > Sent: Tuesday, June 15, 2021 9:36 PM
>>> > To: accessindia@accessindia.org.in
>>> > Subject: Re: [AI] are we not entitled for a credit card?
>>> >
>>> >
>>> >
>>> > that is 1 thing for which i want to change my bank.
>>> >
>>> > another thing for which i want to change is there is no branch near my
>>> > house.
>>> >
>>> > so as my brother who is not vi has an account in icici bank, i thought
>>> > of
>>> > the same.
>>> >
>>> > so i wanted to know how are icici bank with regards to giving cards to
>>> us.
>>> >
>>> >
>>> >
>>> > On 6/15/21, SC Vashishth < <mailto:subhashvashis...@gmail.com>
>>> > subhashvashis...@gmail.com> wro

Re: [AI] are we not entitled for a credit card?

2021-06-15 Thread anirudh rao

hi Austen,
believe me I was denied the debit card too.
that too for twise by different banks.
when I applied for an account in Federal bank this time for my salary
account, they did not speak about my blindness but, told something
like this:
"we will ask the manager that if we can provide the ATM cards for you".
then they provided but, denied the checkbook.
I did not worry about the checkbook as that is the traditional option
and now the things are online.
another story is that I really had to fight with a manager who is
uncivilized and was from the remotest place of somewhere from north
India.
my friend, remember that the change we usually speak is only in media
and books and not in the real, practical life here.
be ready to fight has to be our slogan all the time.

On 6/16/21, Mahesh S. Panicker  wrote:
> Oh,
> Just checked, The RBI Ban on Amex and HDFC on adding new credit card
> customers is still there. HDFC, India's leading credit card provider,
> could have been another option as they usually don't trouble in the
> name of disability, but unfortunately, that option is closed for now.
> Will have to try ICICI, and if one can successfully open the instant
> account online, then trying for the Amazon Pay card could be a good
> option.
> Also, you can try applying for the Flipkart Axis Bank card. Try
> applying through Flipkart rather than on the Axis website.
>
> On 6/15/21, Vaibhav Saraf  wrote:
>> I think MX is currently banned from issuing any new cards.
>>
>>
>> On Tue, 15 Jun 2021 at 23:20, Mahesh S. Panicker
>> 
>> wrote:
>>
>>> Hi Austin,
>>> There is absolutely no way you can be denied a credit card on the
>>> basis of you being blind.
>>> I currently hold multiple cards from different banks. Had significant
>>> diffculties with some of them. But is you persist and escalate the
>>> matter to the top management, the issue should get resolved. We often
>>> will have to fight, but things should get done eventually. My first
>>> credit card was from ICICI. They initially refused me a card on the
>>> basis of me not signing. But after I persisted and complained about
>>> the issue, eventually they provided the card. I faced some issues with
>>> Axis Bank as well, but eventually they also provided. With ICICI, you
>>> can start an instant account through the iMobile app using Aadhar.
>>> Afterwards, check on Amazon/amazonpay, if you are eligible for an
>>> Amazon Pay ICICI card. If you have an existing relation with the bank,
>>> they will generate your card within a minute, and the physical card
>>> should reach you within a week.
>>> The one provider with whom I faced no issue whatsoever, it was
>>> American Express. I applied online, and the entire process was smooth
>>> didn't create any fuss about disability or signature. They don't offer
>>> life time free credit cards usually, and their cards have
>>> acceptability issues in POS terminals at times. If your area is
>>> serviceable for Amex, its worth exploring though as there are other
>>> benefits with an Amex card. And do let me know if you are planning to
>>> apply for any Amex cards, can help you with fee reduction and initial
>>> welcome option.
>>> Regards,
>>>
>>> On 6/15/21, shahid.se...@gmail.com  wrote:
>>> > Hey Austin,
>>> >
>>> > Primary prerequisite for getting Credit card is your Cibil score I
>>> > think
>>> > minimum should be 750.
>>> >
>>> > If you have a signature guide or can manage to sign I'd advise you to
>>> apply
>>> > online and never furnish anything concerning your disability.
>>> >
>>> > I hold 3 to 4 credit cards and among them recently I took Citi card
>>> where I
>>> > failed to comply with video KYC because of not being able to focus the
>>> KYC
>>> > documents properly 😊.Then  an executive came to my place and took my
>>> > KYC
>>> > documents.
>>> >
>>> > Visit to indianmoney.com to check your Cibil score freely.
>>> >
>>> > ---
>>> >
>>> > -Original Message-
>>> > From: accessindia@accessindia.org.in 
>>> > On
>>> > Behalf Of Austin Pinto
>>> > Sent: Tuesday, June 15, 2021 9:36 PM
>>> > To: accessindia@accessindia.org.in
>>> > Subject: Re: [AI] are we not entitled for a credit card?
>>> >
>>> >
>>> >
>>> > that is 1 thing for which i want to change my ba

RE: [AI] are we not entitled for a credit card?

2021-06-15 Thread sourabh.mishra51

Hi
I want to share some fact about creditcard. It’s like a loan from the bank, so 
normally they never tell you why they are rejecting your creditcard 
application. They only say we can’t give you creditcard as our policy.

Sourabh Mishra

-Original Message-
From: 'PAUL MUDDHA' via AccessIndia  
Sent: 16 June 2021 10:43
To: accessindia@accessindia.org.in
Subject: RE: [AI] are we not entitled for a credit card?

If creditcard is denied to you, you just ask the official to give it in writing 
with ceal and signature.



-Original Message-
From: accessindia@accessindia.org.in  On Behalf 
Of Narendra Sathe
Sent: Wednesday, June 16, 2021 10:34 AM
To: accessindia@accessindia.org.in
Subject: Re: [AI] are we not entitled for a credit card?

CAUTION: This email is originated from outside Canara Bank. Do not click any 
links or open attachments unless you recognize the sender and know that the 
content is safe.

Hello All,

There are 2 important notifications which provide that blind people are 
entitled to get credit cards.
1) RBI Notification 04.06.2008
2) PROCEDURAL GUIDELINES FOR BANKING FACILITIES TO VISUALLY IMPAIRED PERSONS 
IBA circular dated 18.11.2008

My suggestion is that along with making an application to the office of CCPD 
you could also give your complaint in writing to the branch manager and if you 
do not get a satisfactory response then approach the Banking ombudsman.

On 6/15/21, Austin Pinto  wrote:
> hi all.
> so i have an account in Bank of Baroda Colaba branch.
> i got atm card with this account.
> today i went to apply for a credit card they said, they dont give 
> credit card to blind people, i am writing the words in which they 
> said.
> so are we not entitled for a credit card?
> i got very angry and am thinking of changing the bank that i have my 
> account to icici bank.
> does any1 have a credit card with icici bank or bank of baroda?
> is there any circular that i can show them if they dont give me the card?
>
> --
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> veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the 
> mails sent through this mailing list..
>
>
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>


--
Regards

Narendra Sathe

--
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2. AI cannot be held liable for any commission/omission based on the mails sent 
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RE: [AI] are we not entitled for a credit card?

2021-06-15 Thread 'PAUL MUDDHA' via AccessIndia

If creditcard is denied to you, you just ask the official to give it in writing 
with ceal and signature.



-Original Message-
From: accessindia@accessindia.org.in  On Behalf 
Of Narendra Sathe
Sent: Wednesday, June 16, 2021 10:34 AM
To: accessindia@accessindia.org.in
Subject: Re: [AI] are we not entitled for a credit card?

CAUTION: This email is originated from outside Canara Bank. Do not click any 
links or open attachments unless you recognize the sender and know that the 
content is safe.

Hello All,

There are 2 important notifications which provide that blind people are 
entitled to get credit cards.
1) RBI Notification 04.06.2008
2) PROCEDURAL GUIDELINES FOR BANKING FACILITIES TO VISUALLY IMPAIRED PERSONS 
IBA circular dated 18.11.2008

My suggestion is that along with making an application to the office of CCPD 
you could also give your complaint in writing to the branch manager and if you 
do not get a satisfactory response then approach the Banking ombudsman.

On 6/15/21, Austin Pinto  wrote:
> hi all.
> so i have an account in Bank of Baroda Colaba branch.
> i got atm card with this account.
> today i went to apply for a credit card they said, they dont give
> credit card to blind people, i am writing the words in which they
> said.
> so are we not entitled for a credit card?
> i got very angry and am thinking of changing the bank that i have my
> account to icici bank.
> does any1 have a credit card with icici bank or bank of baroda?
> is there any circular that i can show them if they dont give me the card?
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking
> of the person sending the mail and AI in no way relates itself to its
> veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the
> mails sent through this mailing list..
>
>
> Search for old postings at:
> https://ind01.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.m
> ail-archive.com%2Faccessindia%40accessindia.org.in%2F&data=04%7C01
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> Y%3D&reserved=0
> ---
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>


--
Regards

Narendra Sathe

--
Disclaimer:
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2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..


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Re: [AI] are we not entitled for a credit card?

2021-06-15 Thread Narendra Sathe

Hello All,

There are 2 important notifications which provide that blind people
are entitled to get credit cards.
1) RBI Notification 04.06.2008
2) PROCEDURAL GUIDELINES FOR BANKING FACILITIES TO VISUALLY IMPAIRED
PERSONS IBA circular dated 18.11.2008

My suggestion is that along with making an application to the office
of CCPD you could also give your complaint in writing to the branch
manager and if you do not get a satisfactory response then approach
the Banking ombudsman.

On 6/15/21, Austin Pinto  wrote:
> hi all.
> so i have an account in Bank of Baroda Colaba branch.
> i got atm card with this account.
> today i went to apply for a credit card they said, they dont give
> credit card to blind people, i am writing the words in which they
> said.
> so are we not entitled for a credit card?
> i got very angry and am thinking of changing the bank that i have my
> account to icici bank.
> does any1 have a credit card with icici bank or bank of baroda?
> is there any circular that i can show them if they dont give me the card?
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of the
> person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
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>


-- 
Regards

Narendra Sathe

-- 
Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..


Search for old postings at:
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RE: [AI] are we not entitled for a credit card?

2021-06-15 Thread 'PAUL MUDDHA' via AccessIndia

I am using multiple cards of different banks given to me on the basis of my 
salary and not denied in any bank.
-Original Message-
From: accessindia@accessindia.org.in  On Behalf 
Of kannan balasubramanian
Sent: Tuesday, June 15, 2021 11:17 PM
To: accessindia@accessindia.org.in
Subject: Re: [AI] are we not entitled for a credit card?

CAUTION: This email is originated from outside Canara Bank. Do not click any 
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Hi,

I am using SBI credit card. SBI card is also a good choice.




Thank you.

B. KANNAN
Chennai.
Mobile: +919444049216.

On 6/15/21, Austin Pinto  wrote:
> hi all.
> so i have an account in Bank of Baroda Colaba branch.
> i got atm card with this account.
> today i went to apply for a credit card they said, they dont give
> credit card to blind people, i am writing the words in which they
> said.
> so are we not entitled for a credit card?
> i got very angry and am thinking of changing the bank that i have my
> account to icici bank.
> does any1 have a credit card with icici bank or bank of baroda?
> is there any circular that i can show them if they dont give me the card?
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking
> of the person sending the mail and AI in no way relates itself to its
> veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the
> mails sent through this mailing list..
>
>
> Search for old postings at:
> https://ind01.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.m
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Re: [AI] are we not entitled for a credit card?

2021-06-15 Thread Shakul Sonker

Hi Austin,

Just to let you know, I too have an ICICI coral credit card, I'm
trying to get an Amazonpay ICICI card as well, but didn't really get
any success on that front, not because of my disabilities, but for
other issues.
Best,
-Shakul

On 16/06/2021, Mahesh S. Panicker  wrote:
> Oh,
> Just checked, The RBI Ban on Amex and HDFC on adding new credit card
> customers is still there. HDFC, India's leading credit card provider,
> could have been another option as they usually don't trouble in the
> name of disability, but unfortunately, that option is closed for now.
> Will have to try ICICI, and if one can successfully open the instant
> account online, then trying for the Amazon Pay card could be a good
> option.
> Also, you can try applying for the Flipkart Axis Bank card. Try
> applying through Flipkart rather than on the Axis website.
>
> On 6/15/21, Vaibhav Saraf  wrote:
>> I think MX is currently banned from issuing any new cards.
>>
>>
>> On Tue, 15 Jun 2021 at 23:20, Mahesh S. Panicker
>> 
>> wrote:
>>
>>> Hi Austin,
>>> There is absolutely no way you can be denied a credit card on the
>>> basis of you being blind.
>>> I currently hold multiple cards from different banks. Had significant
>>> diffculties with some of them. But is you persist and escalate the
>>> matter to the top management, the issue should get resolved. We often
>>> will have to fight, but things should get done eventually. My first
>>> credit card was from ICICI. They initially refused me a card on the
>>> basis of me not signing. But after I persisted and complained about
>>> the issue, eventually they provided the card. I faced some issues with
>>> Axis Bank as well, but eventually they also provided. With ICICI, you
>>> can start an instant account through the iMobile app using Aadhar.
>>> Afterwards, check on Amazon/amazonpay, if you are eligible for an
>>> Amazon Pay ICICI card. If you have an existing relation with the bank,
>>> they will generate your card within a minute, and the physical card
>>> should reach you within a week.
>>> The one provider with whom I faced no issue whatsoever, it was
>>> American Express. I applied online, and the entire process was smooth
>>> didn't create any fuss about disability or signature. They don't offer
>>> life time free credit cards usually, and their cards have
>>> acceptability issues in POS terminals at times. If your area is
>>> serviceable for Amex, its worth exploring though as there are other
>>> benefits with an Amex card. And do let me know if you are planning to
>>> apply for any Amex cards, can help you with fee reduction and initial
>>> welcome option.
>>> Regards,
>>>
>>> On 6/15/21, shahid.se...@gmail.com  wrote:
>>> > Hey Austin,
>>> >
>>> > Primary prerequisite for getting Credit card is your Cibil score I
>>> > think
>>> > minimum should be 750.
>>> >
>>> > If you have a signature guide or can manage to sign I'd advise you to
>>> apply
>>> > online and never furnish anything concerning your disability.
>>> >
>>> > I hold 3 to 4 credit cards and among them recently I took Citi card
>>> where I
>>> > failed to comply with video KYC because of not being able to focus the
>>> KYC
>>> > documents properly 😊.Then  an executive came to my place and took my
>>> > KYC
>>> > documents.
>>> >
>>> > Visit to indianmoney.com to check your Cibil score freely.
>>> >
>>> > ---
>>> >
>>> > -Original Message-
>>> > From: accessindia@accessindia.org.in 
>>> > On
>>> > Behalf Of Austin Pinto
>>> > Sent: Tuesday, June 15, 2021 9:36 PM
>>> > To: accessindia@accessindia.org.in
>>> > Subject: Re: [AI] are we not entitled for a credit card?
>>> >
>>> >
>>> >
>>> > that is 1 thing for which i want to change my bank.
>>> >
>>> > another thing for which i want to change is there is no branch near my
>>> > house.
>>> >
>>> > so as my brother who is not vi has an account in icici bank, i thought
>>> > of
>>> > the same.
>>> >
>>> > so i wanted to know how are icici bank with regards to giving cards to
>>> us.
>>> >
>>> >
>>> >
>>> > On 6/15/21, SC Vashishth < <mailto:subh

Re: [AI] are we not entitled for a credit card?

2021-06-15 Thread Mahesh S. Panicker

Oh,
Just checked, The RBI Ban on Amex and HDFC on adding new credit card
customers is still there. HDFC, India's leading credit card provider,
could have been another option as they usually don't trouble in the
name of disability, but unfortunately, that option is closed for now.
Will have to try ICICI, and if one can successfully open the instant
account online, then trying for the Amazon Pay card could be a good
option.
Also, you can try applying for the Flipkart Axis Bank card. Try
applying through Flipkart rather than on the Axis website.

On 6/15/21, Vaibhav Saraf  wrote:
> I think MX is currently banned from issuing any new cards.
>
>
> On Tue, 15 Jun 2021 at 23:20, Mahesh S. Panicker
> 
> wrote:
>
>> Hi Austin,
>> There is absolutely no way you can be denied a credit card on the
>> basis of you being blind.
>> I currently hold multiple cards from different banks. Had significant
>> diffculties with some of them. But is you persist and escalate the
>> matter to the top management, the issue should get resolved. We often
>> will have to fight, but things should get done eventually. My first
>> credit card was from ICICI. They initially refused me a card on the
>> basis of me not signing. But after I persisted and complained about
>> the issue, eventually they provided the card. I faced some issues with
>> Axis Bank as well, but eventually they also provided. With ICICI, you
>> can start an instant account through the iMobile app using Aadhar.
>> Afterwards, check on Amazon/amazonpay, if you are eligible for an
>> Amazon Pay ICICI card. If you have an existing relation with the bank,
>> they will generate your card within a minute, and the physical card
>> should reach you within a week.
>> The one provider with whom I faced no issue whatsoever, it was
>> American Express. I applied online, and the entire process was smooth
>> didn't create any fuss about disability or signature. They don't offer
>> life time free credit cards usually, and their cards have
>> acceptability issues in POS terminals at times. If your area is
>> serviceable for Amex, its worth exploring though as there are other
>> benefits with an Amex card. And do let me know if you are planning to
>> apply for any Amex cards, can help you with fee reduction and initial
>> welcome option.
>> Regards,
>>
>> On 6/15/21, shahid.se...@gmail.com  wrote:
>> > Hey Austin,
>> >
>> > Primary prerequisite for getting Credit card is your Cibil score I
>> > think
>> > minimum should be 750.
>> >
>> > If you have a signature guide or can manage to sign I'd advise you to
>> apply
>> > online and never furnish anything concerning your disability.
>> >
>> > I hold 3 to 4 credit cards and among them recently I took Citi card
>> where I
>> > failed to comply with video KYC because of not being able to focus the
>> KYC
>> > documents properly 😊.Then  an executive came to my place and took my
>> > KYC
>> > documents.
>> >
>> > Visit to indianmoney.com to check your Cibil score freely.
>> >
>> > ---
>> >
>> > -Original Message-
>> > From: accessindia@accessindia.org.in 
>> > On
>> > Behalf Of Austin Pinto
>> > Sent: Tuesday, June 15, 2021 9:36 PM
>> > To: accessindia@accessindia.org.in
>> > Subject: Re: [AI] are we not entitled for a credit card?
>> >
>> >
>> >
>> > that is 1 thing for which i want to change my bank.
>> >
>> > another thing for which i want to change is there is no branch near my
>> > house.
>> >
>> > so as my brother who is not vi has an account in icici bank, i thought
>> > of
>> > the same.
>> >
>> > so i wanted to know how are icici bank with regards to giving cards to
>> us.
>> >
>> >
>> >
>> > On 6/15/21, SC Vashishth < <mailto:subhashvashis...@gmail.com>
>> > subhashvashis...@gmail.com> wrote:
>> >
>> >> Dear Austin,
>> >
>> >>
>> >
>> >> You need not change the bank for this reason. This is simply
>> >
>> >> discrimination on the basis of disability. Write a complaint to the
>> >
>> >> ccpd by email and things should settle in a while. No bank can deny
>> >
>> >> any financial products or services to persons with disabilities
>> >
>> >> (blindness). By moving away from the bank, you will take away the
>> >
>> >> opportu

Re: [AI] are we not entitled for a credit card?

2021-06-15 Thread Vaibhav Saraf

I think MX is currently banned from issuing any new cards.


On Tue, 15 Jun 2021 at 23:20, Mahesh S. Panicker 
wrote:

> Hi Austin,
> There is absolutely no way you can be denied a credit card on the
> basis of you being blind.
> I currently hold multiple cards from different banks. Had significant
> diffculties with some of them. But is you persist and escalate the
> matter to the top management, the issue should get resolved. We often
> will have to fight, but things should get done eventually. My first
> credit card was from ICICI. They initially refused me a card on the
> basis of me not signing. But after I persisted and complained about
> the issue, eventually they provided the card. I faced some issues with
> Axis Bank as well, but eventually they also provided. With ICICI, you
> can start an instant account through the iMobile app using Aadhar.
> Afterwards, check on Amazon/amazonpay, if you are eligible for an
> Amazon Pay ICICI card. If you have an existing relation with the bank,
> they will generate your card within a minute, and the physical card
> should reach you within a week.
> The one provider with whom I faced no issue whatsoever, it was
> American Express. I applied online, and the entire process was smooth
> didn't create any fuss about disability or signature. They don't offer
> life time free credit cards usually, and their cards have
> acceptability issues in POS terminals at times. If your area is
> serviceable for Amex, its worth exploring though as there are other
> benefits with an Amex card. And do let me know if you are planning to
> apply for any Amex cards, can help you with fee reduction and initial
> welcome option.
> Regards,
>
> On 6/15/21, shahid.se...@gmail.com  wrote:
> > Hey Austin,
> >
> > Primary prerequisite for getting Credit card is your Cibil score I think
> > minimum should be 750.
> >
> > If you have a signature guide or can manage to sign I'd advise you to
> apply
> > online and never furnish anything concerning your disability.
> >
> > I hold 3 to 4 credit cards and among them recently I took Citi card
> where I
> > failed to comply with video KYC because of not being able to focus the
> KYC
> > documents properly 😊.Then  an executive came to my place and took my KYC
> > documents.
> >
> > Visit to indianmoney.com to check your Cibil score freely.
> >
> > ---
> >
> > -Original Message-
> > From: accessindia@accessindia.org.in  On
> > Behalf Of Austin Pinto
> > Sent: Tuesday, June 15, 2021 9:36 PM
> > To: accessindia@accessindia.org.in
> > Subject: Re: [AI] are we not entitled for a credit card?
> >
> >
> >
> > that is 1 thing for which i want to change my bank.
> >
> > another thing for which i want to change is there is no branch near my
> > house.
> >
> > so as my brother who is not vi has an account in icici bank, i thought of
> > the same.
> >
> > so i wanted to know how are icici bank with regards to giving cards to
> us.
> >
> >
> >
> > On 6/15/21, SC Vashishth < <mailto:subhashvashis...@gmail.com>
> > subhashvashis...@gmail.com> wrote:
> >
> >> Dear Austin,
> >
> >>
> >
> >> You need not change the bank for this reason. This is simply
> >
> >> discrimination on the basis of disability. Write a complaint to the
> >
> >> ccpd by email and things should settle in a while. No bank can deny
> >
> >> any financial products or services to persons with disabilities
> >
> >> (blindness). By moving away from the bank, you will take away the
> >
> >> opportunity from the bank of learning a lesson of awareness.
> >
> >>
> >
> >> How to write a petition to ccpd and the format thereof can be accessed
> >
> >> from the website link below:
> >
> >>
> >
> >>  <https://www.disabilityrightsindia.com/p/writing-petition.html?m=1>
> >> https://www.disabilityrightsindia.com/p/writing-petition.html?m=1
> >
> >>
> >
> >> Hope it helps.
> >
> >>
> >
> >> Regards
> >
> >>
> >
> >> Subhash Chandra Vashishth
> >
> >> Advocate
> >
> >>
> >
> >>
> >
> >>
> >
> >> On Tue, 15 Jun 2021 at 8:49 PM, Austin Pinto
> >
> >> < <mailto:austinpinto.xavi...@gmail.com> austinpinto.xavi...@gmail.com>
> >
> >> wrote:
> >
> >>
> >
> >>> hi all.
> >
> >>> so i have an acc

Re: [AI] are we not entitled for a credit card?

2021-06-15 Thread Mahesh S. Panicker

Hi Austin,
There is absolutely no way you can be denied a credit card on the
basis of you being blind.
I currently hold multiple cards from different banks. Had significant
diffculties with some of them. But is you persist and escalate the
matter to the top management, the issue should get resolved. We often
will have to fight, but things should get done eventually. My first
credit card was from ICICI. They initially refused me a card on the
basis of me not signing. But after I persisted and complained about
the issue, eventually they provided the card. I faced some issues with
Axis Bank as well, but eventually they also provided. With ICICI, you
can start an instant account through the iMobile app using Aadhar.
Afterwards, check on Amazon/amazonpay, if you are eligible for an
Amazon Pay ICICI card. If you have an existing relation with the bank,
they will generate your card within a minute, and the physical card
should reach you within a week.
The one provider with whom I faced no issue whatsoever, it was
American Express. I applied online, and the entire process was smooth
didn't create any fuss about disability or signature. They don't offer
life time free credit cards usually, and their cards have
acceptability issues in POS terminals at times. If your area is
serviceable for Amex, its worth exploring though as there are other
benefits with an Amex card. And do let me know if you are planning to
apply for any Amex cards, can help you with fee reduction and initial
welcome option.
Regards,

On 6/15/21, shahid.se...@gmail.com  wrote:
> Hey Austin,
>
> Primary prerequisite for getting Credit card is your Cibil score I think
> minimum should be 750.
>
> If you have a signature guide or can manage to sign I'd advise you to apply
> online and never furnish anything concerning your disability.
>
> I hold 3 to 4 credit cards and among them recently I took Citi card where I
> failed to comply with video KYC because of not being able to focus the KYC
> documents properly 😊.Then  an executive came to my place and took my KYC
> documents.
>
> Visit to indianmoney.com to check your Cibil score freely.
>
> ---
>
> -Original Message-
> From: accessindia@accessindia.org.in  On
> Behalf Of Austin Pinto
> Sent: Tuesday, June 15, 2021 9:36 PM
> To: accessindia@accessindia.org.in
> Subject: Re: [AI] are we not entitled for a credit card?
>
>
>
> that is 1 thing for which i want to change my bank.
>
> another thing for which i want to change is there is no branch near my
> house.
>
> so as my brother who is not vi has an account in icici bank, i thought of
> the same.
>
> so i wanted to know how are icici bank with regards to giving cards to us.
>
>
>
> On 6/15/21, SC Vashishth < <mailto:subhashvashis...@gmail.com>
> subhashvashis...@gmail.com> wrote:
>
>> Dear Austin,
>
>>
>
>> You need not change the bank for this reason. This is simply
>
>> discrimination on the basis of disability. Write a complaint to the
>
>> ccpd by email and things should settle in a while. No bank can deny
>
>> any financial products or services to persons with disabilities
>
>> (blindness). By moving away from the bank, you will take away the
>
>> opportunity from the bank of learning a lesson of awareness.
>
>>
>
>> How to write a petition to ccpd and the format thereof can be accessed
>
>> from the website link below:
>
>>
>
>>  <https://www.disabilityrightsindia.com/p/writing-petition.html?m=1>
>> https://www.disabilityrightsindia.com/p/writing-petition.html?m=1
>
>>
>
>> Hope it helps.
>
>>
>
>> Regards
>
>>
>
>> Subhash Chandra Vashishth
>
>> Advocate
>
>>
>
>>
>
>>
>
>> On Tue, 15 Jun 2021 at 8:49 PM, Austin Pinto
>
>> < <mailto:austinpinto.xavi...@gmail.com> austinpinto.xavi...@gmail.com>
>
>> wrote:
>
>>
>
>>> hi all.
>
>>> so i have an account in Bank of Baroda Colaba branch.
>
>>> i got atm card with this account.
>
>>> today i went to apply for a credit card they said, they dont give
>
>>> credit card to blind people, i am writing the words in which they
>
>>> said.
>
>>> so are we not entitled for a credit card?
>
>>> i got very angry and am thinking of changing the bank that i have my
>
>>> account to icici bank.
>
>>> does any1 have a credit card with icici bank or bank of baroda?
>
>>> is there any circular that i can show them if they dont give me the
>>> card?
>
>>>
>
>>>
>
>>> --
>
>> Warm regards,
>
>

Re: [AI] are we not entitled for a credit card?

2021-06-15 Thread kannan balasubramanian

Hi,

I am using SBI credit card. SBI card is also a good choice.




Thank you.

B. KANNAN
Chennai.
Mobile: +919444049216.

On 6/15/21, Austin Pinto  wrote:
> hi all.
> so i have an account in Bank of Baroda Colaba branch.
> i got atm card with this account.
> today i went to apply for a credit card they said, they dont give
> credit card to blind people, i am writing the words in which they
> said.
> so are we not entitled for a credit card?
> i got very angry and am thinking of changing the bank that i have my
> account to icici bank.
> does any1 have a credit card with icici bank or bank of baroda?
> is there any circular that i can show them if they dont give me the card?
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of the
> person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
> ---
> You received this message because you are subscribed to the Google Groups
> "AccessIndia" group.
> To unsubscribe from this group and stop receiving emails from it, send an
> email to accessindia+unsubscr...@accessindia.org.in.
> To view this discussion on the web visit
> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAPeFyi8HiyGnFm_LiBrgHQAvDqGHZhV-%3DB%2B%2B2-ePuR5ZcKxR-Q%40mail.gmail.com.
>

-- 
Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..


Search for old postings at:
http://www.mail-archive.com/accessindia@accessindia.org.in/
--- 
You received this message because you are subscribed to the Google Groups 
"AccessIndia" group.
To unsubscribe from this group and stop receiving emails from it, send an email 
to accessindia+unsubscr...@accessindia.org.in.
To view this discussion on the web visit 
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RE: [AI] are we not entitled for a credit card?

2021-06-15 Thread shahid.seven

Hey Austin,

Primary prerequisite for getting Credit card is your Cibil score I think 
minimum should be 750.

If you have a signature guide or can manage to sign I'd advise you to apply 
online and never furnish anything concerning your disability.

I hold 3 to 4 credit cards and among them recently I took Citi card where I 
failed to comply with video KYC because of not being able to focus the KYC 
documents properly 😊.Then  an executive came to my place and took my KYC 
documents.

Visit to indianmoney.com to check your Cibil score freely.

---

-Original Message-
From: accessindia@accessindia.org.in  On Behalf 
Of Austin Pinto
Sent: Tuesday, June 15, 2021 9:36 PM
To: accessindia@accessindia.org.in
Subject: Re: [AI] are we not entitled for a credit card?

 

that is 1 thing for which i want to change my bank.

another thing for which i want to change is there is no branch near my house.

so as my brother who is not vi has an account in icici bank, i thought of the 
same.

so i wanted to know how are icici bank with regards to giving cards to us.

 

On 6/15/21, SC Vashishth < <mailto:subhashvashis...@gmail.com> 
subhashvashis...@gmail.com> wrote:

> Dear Austin,

> 

> You need not change the bank for this reason. This is simply 

> discrimination on the basis of disability. Write a complaint to the 

> ccpd by email and things should settle in a while. No bank can deny 

> any financial products or services to persons with disabilities 

> (blindness). By moving away from the bank, you will take away the 

> opportunity from the bank of learning a lesson of awareness.

> 

> How to write a petition to ccpd and the format thereof can be accessed 

> from the website link below:

> 

>  <https://www.disabilityrightsindia.com/p/writing-petition.html?m=1> 
> https://www.disabilityrightsindia.com/p/writing-petition.html?m=1

> 

> Hope it helps.

> 

> Regards

> 

> Subhash Chandra Vashishth

> Advocate

> 

> 

> 

> On Tue, 15 Jun 2021 at 8:49 PM, Austin Pinto 

> < <mailto:austinpinto.xavi...@gmail.com> austinpinto.xavi...@gmail.com>

> wrote:

> 

>> hi all.

>> so i have an account in Bank of Baroda Colaba branch.

>> i got atm card with this account.

>> today i went to apply for a credit card they said, they dont give 

>> credit card to blind people, i am writing the words in which they 

>> said.

>> so are we not entitled for a credit card?

>> i got very angry and am thinking of changing the bank that i have my 

>> account to icici bank.

>> does any1 have a credit card with icici bank or bank of baroda?

>> is there any circular that i can show them if they dont give me the card?

>> 

>> 

>> --

> Warm regards,

> 

> Subhash Chandra Vashishth

> MIRPM, LLB, MA (Economics), MSW, Accessibility Expert CPABE Level III 

> Advocate, Specialist- Accessibility, Universal Design & Diversity 

> Inclusion Co-Founder & Director, CABE Foundation Country 

> Representative India - G3ict/SmartCities4All

> Mobile: +91 (11) 9811125521 |

> email:  <mailto:subhashvashis...@gmail.com> subhashvashis...@gmail.com |  
> <mailto:i...@subhashvashishth.com> i...@subhashvashishth.com 

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Re: [AI] are we not entitled for a credit card?

2021-06-15 Thread Austin Pinto

that is 1 thing for which i want to change my bank.
another thing for which i want to change is there is no branch near my house.
so as my brother who is not vi has an account in icici bank, i thought
of the same.
so i wanted to know how are icici bank with regards to giving cards to us.

On 6/15/21, SC Vashishth  wrote:
> Dear Austin,
>
> You need not change the bank for this reason. This is simply discrimination
> on the basis of disability. Write a complaint to the ccpd by email and
> things should settle in a while. No bank can deny any financial products or
> services to persons with disabilities (blindness). By moving away from the
> bank, you will take away the opportunity from the bank of learning a lesson
> of awareness.
>
> How to write a petition to ccpd and the format thereof can be accessed from
> the website link below:
>
> https://www.disabilityrightsindia.com/p/writing-petition.html?m=1
>
> Hope it helps.
>
> Regards
>
> Subhash Chandra Vashishth
> Advocate
>
>
>
> On Tue, 15 Jun 2021 at 8:49 PM, Austin Pinto
> 
> wrote:
>
>> hi all.
>> so i have an account in Bank of Baroda Colaba branch.
>> i got atm card with this account.
>> today i went to apply for a credit card they said, they dont give
>> credit card to blind people, i am writing the words in which they
>> said.
>> so are we not entitled for a credit card?
>> i got very angry and am thinking of changing the bank that i have my
>> account to icici bank.
>> does any1 have a credit card with icici bank or bank of baroda?
>> is there any circular that i can show them if they dont give me the card?
>>
>>
>> --
> Warm regards,
>
> Subhash Chandra Vashishth
> MIRPM, LLB, MA (Economics), MSW, Accessibility Expert CPABE Level III
> Advocate, Specialist- Accessibility, Universal Design & Diversity Inclusion
> Co-Founder & Director, CABE Foundation
> Country Representative India - G3ict/SmartCities4All
> Mobile: +91 (11) 9811125521 |
> email: subhashvashis...@gmail.com | i...@subhashvashishth.com
> www.subhashvashishth.com | www.cabefoundation.com |
> www.disabilityrightsindia.com
> Linkedin  | Facebook
>  | Twitter
>  | Instagram
> 
> 
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of the
> person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
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>


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Re: [AI] are we not entitled for a credit card?

2021-06-15 Thread SC Vashishth

Dear Austin,

You need not change the bank for this reason. This is simply discrimination
on the basis of disability. Write a complaint to the ccpd by email and
things should settle in a while. No bank can deny any financial products or
services to persons with disabilities (blindness). By moving away from the
bank, you will take away the opportunity from the bank of learning a lesson
of awareness.

How to write a petition to ccpd and the format thereof can be accessed from
the website link below:

https://www.disabilityrightsindia.com/p/writing-petition.html?m=1

Hope it helps.

Regards

Subhash Chandra Vashishth
Advocate



On Tue, 15 Jun 2021 at 8:49 PM, Austin Pinto 
wrote:

> hi all.
> so i have an account in Bank of Baroda Colaba branch.
> i got atm card with this account.
> today i went to apply for a credit card they said, they dont give
> credit card to blind people, i am writing the words in which they
> said.
> so are we not entitled for a credit card?
> i got very angry and am thinking of changing the bank that i have my
> account to icici bank.
> does any1 have a credit card with icici bank or bank of baroda?
> is there any circular that i can show them if they dont give me the card?
>
>
> --
Warm regards,

Subhash Chandra Vashishth
MIRPM, LLB, MA (Economics), MSW, Accessibility Expert CPABE Level III
Advocate, Specialist- Accessibility, Universal Design & Diversity Inclusion
Co-Founder & Director, CABE Foundation
Country Representative India - G3ict/SmartCities4All
Mobile: +91 (11) 9811125521 |
email: subhashvashis...@gmail.com | i...@subhashvashishth.com
www.subhashvashishth.com | www.cabefoundation.com |
www.disabilityrightsindia.com
Linkedin  | Facebook
 | Twitter
 | Instagram



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Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..


Search for old postings at:
http://www.mail-archive.com/accessindia@accessindia.org.in/
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To unsubscribe from this group and stop receiving emails from it, send an email 
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Re: [AI] are we not entitled for a credit card?

Re: [AI] are we not entitled for a credit card?

RE: [AI] are we not entitled for a credit card?

RE: [AI] are we not entitled for a credit card?

Re: [AI] are we not entitled for a credit card?

RE: [AI] are we not entitled for a credit card?

Re: [AI] are we not entitled for a credit card?

Re: [AI] are we not entitled for a credit card?

Re: [AI] are we not entitled for a credit card?

Re: [AI] are we not entitled for a credit card?

Re: [AI] are we not entitled for a credit card?

RE: [AI] are we not entitled for a credit card?

Re: [AI] are we not entitled for a credit card?

Re: [AI] are we not entitled for a credit card?

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