Dragging to HELL

This is purely on my own hard experience and is not to hurt any private concerns.
The blog is regarding the Credit Card.

While I was at my first job in Photon Infotech, I regularly used to get calls from the Credit Card Agents to avail one. At that age I don't have better idea of how it works. But truly, I have seen people around me suffering a lot with Credit Card. I was cautious and there was NO need of it at that point of time.

The Need of one for ME

I wanna book the tickets in Satyam cinemas online, and I hardly need a Credit Card to book one. On the same day evening I saw a HDFC Credit Card Agent standing outside my office space. While I came back from the Tea break, I went to the person and inquired about the eligibility and signed for one. (So here the main reason for me lies on booking the Movie Tickets Online). Even at that instant my friends suggested NOT to get one. But as usual I thought I can manage this easily. Also my only purpose was to book movie tickets from credit card and instantly transfer money from my debit account.

My Procastination (And for many...)

And this process went perfectly thrice. After that I got the sluggishness, that I have time to repay it within the month end. Then I used to pay my full credit back by the EOM on the following next 2 months. Then I deviated my initial purpose and started swiping the card as a shopping spree wherever possible, particular at the last week of the month. My credit amount started to arise gradually each month. I gave up, and started to pay only the Minimum Due. This is the place where I got struck really bad and most would do so. As I started to pay only the Minimum due from that month(Feb) my Credit was reduced just by Rs 50 to 100. But real bad thing is I still continued to use my Credit Card at month ends and almost I got addicted to it ( In the sense I think I always have a backup in the form of Credit Card at month ends).

Dragging to HELL

I was paying the Minimum Due still the October month and I never have seen my Credit going down and it had been developed to a huge amount. By the time(October) I realized that these guys were dragging me to HELL with this Minimum Due, I was paying nearly 1/4th of my salary as Minimum Due and I am almost lost. I started calculating my budgets and Credit Card History. I found myself paying only the interest amount as a form of Minimum Due and there was almost NIL amount getting reduced from my principal. I was awry of myself since I know I have been trapped into it. But I really haven't realized how the heck these guys make their calculations for the Minimum Due.

The Banker's Face

I decided to break this and I went directly to my nearest Bank Branch. I told them clearly I want to close this card right away. I am not in a position to pay even the Minimum Due for the(October) month. I am giving the same words the guy put on me :" Dear Sir, You are one of our best customers since you have a very good history. We understand your situation and let us give you a suggestion. As you haven't crossed One Year's time with Credit Card there is no option to close your card with Settlement plan. So, there is no compulsion you have to pay the Minimum due by this month. You can skip this month and you can pay it by next month and only the interest will be added" . I really got angry with his reply. I again told them clearly I don't want to pay any interest hereafter. I want to close this card and get out of it and no need of any suggestion from you guys. And the guy replied " You have good history of paying back. So there is no possibility of settlement plan. We can't close the card now. Only the defaulters were given with the Settlement plan. SO there is zero possibility of closing the card with settlement".

I missed the months payment. I haven't received any notice on the months start and saw my statement of the month with 3.5% of interest plus additional fine. I was fed up and lost the peace of mind. Also with that they started to call me daily and harass me to pay the amount that they say(8% of my Total Outstanding). I paid that amount and left with awry. Then from 25th of the month they started to call me and harass me again for the Minimum Due. They pulled me out and there I started to lose myself. I started to behave very sensual and reacted that until or unless you guys were not going to give me the settlement I am not going to pay the amount. SO they came with a settlement plan which is again huge(to pay 80% of my total outstanding).

The Real Calculations

I started questioning them, I want to know how much I have spent with this bloody hell card and and how much I have paid back. So referred some records and came back with the answer that I have spend about 32K in which I have already paid them 19.6K. So for this remaining 12.4K I have total outstanding of 29K. Now a collection department bank representative called and said they availed me a settlement of 24.6K. I told them I can pay only 20K and they said only 22.4K is the minimum possible amount for that month. The guy gave a commitment at that time(The place exactly where I was fooled).

The False Commitment

The guy told me to pay the minimum due for next two months so that I will be an one year old customer for them. SO at that time he would avail me a settlement plan of 15K, and he himself would do that and made sure that this was a commitment given by him. So I paid the minimum for the next following 2 months and I saw my Total Outstanding was growing from 29K to 35K even after the payment. The third month from there I called the guy(HDFC collection department representative) and he said he quit his job and went to Axis bank. The other Collection department representatives started calling me and harass me to pay the remaining amount. But the guy who gave an false commitment to me called one of my office colleague from the same cell number regarding the HDFC credit card payment. So I went directly to the HDFC collection department office and spoke to a lady(She claimed herself a manager). I briefed her how much I have fed up with this card and how I was fooled by a collection guy. She replied to me this way "How come you know that he is a HDFC guy, whom you spoke regarding your payment". I reacted this way. I right way came out of the discussion room and walked off.

The diplomatic way

A guy came out and told me that manager called me again. I told him I am not sure you are a HDFC guy and your manager is employed with HDFC. I went to my work again. As tit for tat whenever I used to get a call from HDFC collection department guy I told them right away I am not sure you are a HDFC guy. SO I could not speak to them and cut the calls. They guys got irritated and the manager called me stating I have to pay some amount immediately. I replied to her the same answer and cut the call. She ringed me again and told that I have been mislead by some HDFC guy. SO she told, bank would avail me a settlement plan of 27K.

Halfway Done

As I am already half done with this card. I told them whatever happened may be left. They came with a settlement plan of 26K at last. I bargained them. But again they repeated the same story of paying the Due for this month and they would give me some more deductions on settlement. But I have decided to close once for all and agreed with the settlement. And by now I have paid them 13K for last 4 months. SO still 4 months to go.


So the core is here. I would suggest NOT to go for Credit Card. Never avail one.
Everyone knows about the Credit Card and I am also a victim of this.

Perception of Police Men

Casual Walk
One fine Sunday evening, myself and friends of mine(6 in nos) went for a long walk. We were making fun out of each others among ourselves, giggling jokes and were walking on the road side. We almost walked down 2 kilometers and found ourselves tired(As we are so called youngsters of this generation). We stepped inside a pazhamudhirchozhai(fruit and juice shop). There we had fresh fruit juices and bread omlette as our snack. We spend some half an hour in the shop and myself and Mari(friend of mine) stepped outside the shop and were waiting for others to step outside so that we start towards our home.

Instinct of them
Here comes the core of the topic. Its hardly 20 seconds we just came out of the shop and our friends joined us outside. A police vehicle came near to us and the SI inside the vehicle asked us "Why you guys are forming a group?". My friend told "We just had our snacks and were out of the shop". The driver of the Jeep parked the vehicle in the road side and came close to us and asked the same question. My friend answered the same again. He forcibly pointed to my friend Mari and asked "What is your state? Are you a North Indian ? HINDI KAARANA?", since he was fair enough and of his skin tone. He just never expected this question and was recollecting the question again himself. Again the Police driver asked about his profession. He answered he is a "Software Engineer".

Perception of Police men on Software Engineer
The police man said at the instant, you guys(i.e Software Engineers) would always drink on Sunday and create nuisance to public. And we all were shocked to hear this. And particularly no one was such a kind of person. This was the most embarrassing for my friend and he dosen't even spoke a word to the police man and we guys just started moving towards our home. But that created a great impact on me.


1. The first question 'Does Police men always have the wrong perception on Software Engineers?'
2. Or, in contrast 'Software Engineers are drunkards'
3. Or, Does the perception of Police men are always crooked?.

Insight of Co Education to be understood.

This is the topic something I was so intrested in discussion.

First of all parents and students should have a clear idea about the mixed sex education. As today the world advances to an new era, the girls are getting into each and every industry that exist. And wherever you go, the team work gives maximized results.
This can be achieved only when the participants of the team were in good understanding. And the core point lies here. People in the team should mingle together, share their ideas and prosper towards excellence. All these can be achieved only when there is NO hesitation or fear to interact with opposite sex. For this the Co-Education is the best fundamental foundation.

Dear friends/students, there is nothing wrong in having girls as friends. And for the big bosses in home, you should encourage these relationships as your child have taken a step forward to improve himself/herself. I know that there were certain harassment still happening here and there. These can be reduced further, If everyone have the proper Co-Education. At last girls are not meant only as home makers,sex symbols and all crap. They have their own ambitions and goals. Everyone should respect them.

And parents, If you want to ensure that your kid should get a Mixed Sex Education, then please DO have case studies about the institution which your kid have chosen. Today there is a bad trend in colleges that emerges out. Students were restricted to interact with their fellow mates of opposite sex. For these institutions I have a question for them. Why the hell then you want to have your institution as Co-Education?
The whole purpose of mixed sex education is spoilt here. And these colleges make a propaganda that only students from such college grow as well disciplined. But that is absolutely wrong. When you people interact with opposite sex, the sex discrimination get it's way off. I have heard from my friends that some colleges in Chennai would suspend the students for 10 days even if those guys ask the name of their fellow mates. That's ridiculous! One thing I want to mention to those (Actual rule violaters of Co-Education) is as follows.

I dont want mention the name of the colleges which were in the above category (Infact I dont even want to name them as colleges and my college was aslo somewhere near to those). But you have to look into college like Anna University, MIT, IIT and SSN. These are reknowned colleges in and around Chennai. These colleges have good results, placements and great exposure. But these colleges dosen't impose those rules and regulations like girls and boys should not interact with each other. But these are the BEST colleges in Chennai. All other colleges follows next. Infact students from these institutions excel best in their career as well as in life. A student dosen't need mere subject knowledge in colleges. But along with that he/she should have a well exposure to the Real Time Projects, Presentations and Organizing events. A well deserved student should have done 2 real time projects ,atleast of 3 paper presentations and should have headed(or part of) for an organizing committee. This is were the student gets matured to be an employee or employer himself. And for all these a team work is essential. I will say a team as best, only if the team mates were with clear understanding with each of them.

And atlast, this is my perception based on my experience in the industry. True to me, at past I was not a such a kind of student as I mentioned above. I got some set backs in my career since I was not a student with such exposure as I mentioned above. And it took me some time to over come those.

Whom to BLAME??? The People or Government.

I just had a bad experience some days before in the Udhayam theatre signal. Although I rarely follow traffic rules, I saw people around me suffering a lot here. I guess the route cause for the problem may be because of the requirement given by the officials to the programming client for the signal. And the here goes the problem.

While coming from Ashok Pillar towards Nesapakkam in the signal, I am stopped by the red signal. The seconds counter started from 60 and went descending. When the count reached 5 itself, people start changing gears and raise their accelerators. Unfortunately after the ZERO count, the counter again refreshed to 60 seconds. Here is where the exact problem was.

First,
Some people who where waiting in the signal, started speeding towards Nesapakkam thinking the signal is on GREEN. But that is not the case here. Green is on only for people who pass from Nesapakkam road towards Kasi theater.
Secondly,
people who wait in the signal got frustrated, when they came to know they have to wait again. People who tried saving petrol switched on their vehicles guessing green signal is going to be there.

Here who we are going to BLAME??? . The people or the traffic officials who made the plan on this.

But here is solution. It can be easily avoided in this way. When the RED light is on, the seconds counter should start from 120. The traffic signal programming client can make it. But the decision is to be taken by the officials.

I don’t know whether I can mention this ( a traffic defaulter often by myself). But since I pass though the way daily it made an alarm for me.