Are the modern sales guys really selling to us what we need? Or are they selling to us what they want to sell?
A couple of years back I had applied for a silver credit card (this was when I was a student). The card (Citibank) was good enough for me to use during my student days. And the great part about it was that my father booted the bill!! Once the job had started, the card was no longer needed, and soon it expired. I applied for one more credit card, to my chagrin, this time Citibank never responded. No issues, ye nahi to koi aur sahi ... so saying, I got another card.
Now, some months back, they sent me a renewed credit card - an exact replica of my expired card ... with my student photo as well (I was so "thin" back then!). This time around I feel no need for one more credit card; its almost equivalent to one more headache. Who has got time for paying those pesky monthly bills which always crop up when your bank account is doing the balancing act of the century (SideNote - bank balance is an oxymoron!!)
So, I tell them that I have no need for a card, can they destroy the card? Sadly, they advise me that the paperwork involved will be too much for them and for me. I believe them like a dimwit, and now I am still carrying my student credit card. I have no intention of using it. Upto this part, I am fine with it.
For the past week or so, everyday I recieve a call from our friendly next door Citibank salesguy intimating me that I have been selected for upgrading my card to an International Gold card (as if!!). I tell him that I am not interested in increasing my credit limit, every time. Still the calls keep on coming. Are they really listening or are they simply following through motions? If they are doing the later, then why bother with the futile exercise?