I have been using the Credit Card for last 10 years. The best thing about the same is so far in my 6 years I have never paid any late fee or interest on outstanding amount. So for me the credit of 30 days is an effective tool to manage my monthly expenses & fund flow. 90% of all my monthly expense I manage by Credit card.
I must thank ICICI Bank for the wonderful service in terms of
1) Timely statements
2) understanding the customer for 1-2 days late payment delays which they have not charged going by the track record.
3) Good point redemption schemes
4) Gold Card being offered for free of Cost ( Without any annual fees) during promo campaign which iam enjoying the benefit for last 3 years.
5) 100 % error free billings
6)They are the pioneer to provide On line platform for various throgh Card utilities.
7)Wide branch presence across the country for Cash withdrawl ( Though I have never used this facility) since the the merchant partners for ICICI is spread like anything across the country. But such presence gives confidence to go with plastic money without fear
8)The call centre employees are very customer freindly in providing any details.
You cant ask for anything more.
Hats of ICICI Bank !!! If you know how to use Credit cards I bet this is the best thing to have happened to Salaried class like me!!!!!!!!!!!!!!!!