Manhattan suckered me into taking their card. Due to bad experiences with other credit cards in the past and also due to a natural aversion to paying annual fees, I decided to give this ’’new’’ credit card a shot.
My excuse is that I was busy at the time, and didn’t research them properly. Had I known that this was just another incarnation of Standard Chartered, I would have run for the hills.
There is no annual fee, provided you use the card at least once in six months. Another condition they try to impose is ’’a mobile phone is mandatory.’’ I never pass out my cell number to banks etc anymore as they misuse it by calling up endlessly. So I had told the salesperson that I didn’t have a mobile. So they settled for a ’’mandatory’’ email id. I created a special account just for them, which they have proceed to spam with advertisements.
Turns out that they do have an annual fee - for the very same ads which I don’t want.
So I cancelled the card. But they still send me bills, with ’’late fee’’ charges of Rs350 per month.
Another thing about them and their whole branding exercise is that it appears to be aimed at the immature. The call centre ’’dudes’’ and ’’dudettes’’ try to talk to you as if they’ve known you all their lives.