English Conversations about First time credit card and Credit card benefits

New Customer entering the Banks of Delhi and inquiring about First time credit
card and Credit card benefits.

Banker – Good morning Sir, can I help you?

Customer – Yes I would like to know credit card benefits and your credit card
no annual fee..

Banker – sir, I tell you about credit card no annual fee

The Bank of Delhi also offers Easy credit card .

Customer – But I need first time credit card for personal use. I do not have
any credit card history. I know about it, but I have some more queries
regarding the various bank account credit card. can I apply for one credit
card online also.

Banker – sir let me give you all the information about Easy credit card as well
as city credit card and then you can very well decide what credit card you
want to go for ?

Customer – That would be great .

Banker- What is your age , sir ?

Customer – What is the minimum age for getting the first time credit card. I
am 42.

Banker – It is 23 year old, for salaried or self employed person.

Customer, What are the documents required by,The Bank of Delhi for issue of
first time credit card?

Banker – If it is for public limited Company ,mnc, Govt. Organization any one of
pay slip ,salary certificate, income tax returns, form 16..

But for Proprietorship , partnership ,private limited company, it is pay slip,

income tax returns, form 16

Customer- What about self employed person?

Banker-If it is for for self employed – income tax returns and other bank
Account documents specific club membership required for the first time
credit card

1
Customer -What are eligibility criteria for the various credit cards?

Banker -There are 5 types of Credit cards available -

1) For EMI Credit Card , a person has to have an annual income 240000 p.a.

2) For Titanium Credit Card , a person has to have annual income 480000 p.a

3) For platinum Credit Card a person has to have an annual income 480000 p.a

4) For Signature Credit Card a person has to have an annual income1200000 p.a

our bank also offers credit card balance transfer free.

Customer---- What if I have any problem in getting my Monthly credit card

statement?

Banker- Please call 24 hour customer care number of your city and you would
get the problem resolved solution

Customer---- What is the credit period for paying the billed amount? Is it called
a zero percent credit card

Banker -For gold, silver,& blue credit card , maximum period available is 48 days
after that card credit interest rate will be charged. But bank rewards the
customers who pay the credit card bills in time.

Customer – If my cheque is dishonored, will I be charged any interest by credit

card issuer for it? Do you offer credit card insurance also.

Banker – Yes, If your cheque is dishonored, A fee of Rs 250 will be charged by

the bank for dishonor of your cheque. You can get credit card insurance for a
small fee of Rs 999.

Customer What is the best way to pay the credit card bills?

Banker – You can pay the bills by cash, draft, cheque , or if you have the Bank
of Delhi saving account you can transfer the Billed amount online or by calling
customer care .

Customer How much time it take to reflect the payment in the credit card
account?

Banker – it takes 3 working days to reflect by cheque or draft .If the cheque is
non Bank of delhi ,it takes 5 working days.

2
Customer - What if my card is lost or damaged, what is the process to get a
new one?

Banker – Sir, you need to call up the customer care centre to block the card, if
lost or damaged and they would issue a new credit card in seven days.

Customer - Can I use my bank account credit card for the purchases on the
internet?

Banker - Yes Sir, your bank account credit card can be used for all the
expenses on the internet.

Customer – What do I do If my credit card application gets declined?

Banker – You do not have to worry, just call up the customer care center

Customer- Tell me if I cross my credit card limit by chance?

Banker – if you make a transaction that exceeds your credit limit, it is up to the
bank credit cards transaction department, and if approved they would charge
for the amount exceeded the limit