That might be true but it never lets you sleep too.. as the monthly statement haunts you.
The citibank has no collection center here in haridwar but have a lot of customers here. The cheques given to collection center attract Rs.100/- for being outstation cheques the reason being that the citibank does not have an account in this city.
The card is useful only out of haridwar as no shopkeeper here accepts it presently ...
The card has been usually a lot of convinience during few of my past visits to my hometown . Gives a great confidence and buying power everything seems to be below your feet. Buying had never been this easy. But the only problem being no collection center or drop box in haridwar