[AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS

Mahesh Panicker maheshspanicker at gmail.com
Fri Jun 4 01:50:47 EDT 2010


although Punjab National Bank for ones has decided to come out of the
rudd of discrimination against the disabled by formulating a policy to
issue credit cards, that doesn't mean they are doing an act of charity
to the visually challenged. it is a responsibility and a legal and
constitutional stipulation that they are meetting.
however as any such policy is open to public scrutiny, particularly on
the part of the stake holders, there will be questions asked,
clarifications sorted, and criticisms leveled against. that is how a
democracy work, and one has to learn to be tolerant to this democratic
right.
although PNB's efforts at bringing a sense of clarity to the issue of
credit card to the visually challenged is a welcomed step, many of us
feel that some of the stipulations included in the proposed policy are
unfair and even illogical. AI members working with PNB would do well
to engage with these criticisms, and since they are better placed in
the organization, they can take it up at the appropriate levels. that
is entirely up to them, but at least crude remarks and assertions
regarding the visually challenged who are struggling for their rights
can be avoided.

On 6/4/10, Asudani, Rajesh <rajeshasudani at rbi.org.in> wrote:
> Dear Kamal
> I am not concerned with the moral of the story, but with story itself.
> You say: People cannot afford technology, but they still want facilities."
> What do you mean?
> Everybody wanting a credit card should be able to afford technology?
> Ridiculous!
> You also say:
> People want facilities at their convenience.
> Yes, of course, facilities are for convenience....
> Do you require sighted credit card holders to have all technical gadgets before giving them one?
> Do you take an undertaking from them that their mobile SMS would not be read by anybody in any circumstances?
>
> We take a general undertaking that the details of the card would not be shared, and it is their own responsibility if they are so shared.
> The same undertaking would suffice for the blind as well, without any stipulation about possession of any gadgets.
>
> You also say:
> "BLIND is mahatma in society and now he is supposed to be above god, etc...
>
> I do not wish to reply to assertions like these.
> Don't be a stereotypical banker.....
>
>
> Regards
>
> "Perhaps our role on this planet is not to worship God-- but to create Him."
>
>                                        --Arthur C. Clarke
>
> (Rajesh Asudani)
>
> Assistant General Manager,
> Reserve Bank of India
> Nagpur
> 09420397185
> O: 0712 2806676
> Res: 0712 2591349
>
>
>
>
> -----Original Message-----
> From: accessindia-bounces at accessindia.org.in [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of Kamal Verma
> Sent: Thursday, June 03, 2010 4:47 PM
> To: accessindia at accessindia.org.in
> Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
>
> Dear Amiyo,
>
> People want facilities at their convinience and conditions. They cannot
> afford the technology, but they still need facilities. A blind is supposed
> to be a Mahatma in the society. But, now, a blind is greater than god. We
> have to fulfil their needs and conditions at any cost at their convenience
> only. This is the moral of this story.
>
> Regards.
> Kamal Verma.
> ----- Original Message -----
> From: "Amiyo Biswas" <amiyo.biswas at gmail.com>
> To: <accessindia at accessindia.org.in>
> Sent: Thursday, June 03, 2010 4:03 PM
> Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
>
>
> > So, what is the moral of the story? Which banks allowcredit cards and
> > which banks ATM? I am really frustrated with banks. In fact, I am a bit
> > nervous. They always barrage me with questions.
> >
> > With Best regards,
> > Amiyo Biswas.
> > Cell: 91-9433464329
> >
> > ----- Original Message -----
> > From: "mahendra" <galani at chello.at>
> > To: <accessindia at accessindia.org.in>
> > Sent: Thursday, June 03, 2010 4:45 PM
> > Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
> >
> >
> >>i don't understand,  it is okay to give credit card but not ATM?
> >> wiche is more risky?
> >> i suppose, more misuse is possible while paying the bills, in the stors
> >> and restorences then with ATM.
> >> one has to give your credit card to the staf for othentication,
> >> no such need with ATM!!.
> >>
> >>
> >>
> >> At 02:22 PM 6/2/2010, you wrote:
> >>>there are 100s of rules and laws lying in india, either unused,  misused
> >>>or wrongly interpreted. even indian evidence act is quite old. better
> >>>option is apply credit card facility if you want with PNB. you can quote
> >>>the circular if they deny such facility. no one can defame the entire
> >>>organisation, if one particular case is wrongly treated. thousands of
> >>>rape committed daily, should we blame the entire male population of our
> >>>country? numbers of false cases registered under IPC498A, should we blame
> >>>the entire female society?
> >>>
> >>>----- Original Message ----- From: "Vamshi G" <gvamshiai at gmail.com>
> >>>To: <accessindia at accessindia.org.in>
> >>>Sent: Wednesday, June 02, 2010 5:24 PM
> >>>Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
> >>>
> >>>
> >>>>Hi Mr. Kamal Varma,
> >>>>
> >>>>Other allegations made by some of our members on PNB are all truths.
> >>>>Hence
> >>>>we can't deny all of them and say that PNB is free from any
> >>>>irregularity.
> >>>>And it's quite natural to blame the entire organization when a
> >>>>particular
> >>>>employee denies someone their entitlements.
> >>>>
> >>>>And yes, we all appreciate PNB for taking a positive attitude towards
> >>>>issuance of credit cards to visually challenged persons.  But more often
> >>>>than not, it's the implementation that has bogged us down rather than
> >>>>the
> >>>>rules on paper.
> >>>>
> >>>>And coming to the eligibility criteria,
> >>>>     A Credit Card applicant who is visually impaired person must
> >>>> possess a
> >>>>voice enabled mobile phone for the purpose of communication of
> >>>>transaction
> >>>>happening on the credit card.
> >>>>
> >>>>Please clarify whether a voice enabled phone is a prerequisite for
> >>>>ccommunicating the transaction details, or is it a prerequisite for
> >>>>applying
> >>>>for a credit card.  I didn't get the exact meaning.
> >>>>
> >>>>Regards,
> >>>>Vamshi G
> >>>>M: +91 9949349497
> >>>>R: +91 877 2243861
> >>>>Skype: gvamshi81
> >>>>
> >>>>www.retinaindia.org
> >>>> From darkness unto light
> >>>>
> >>>>
> >>>>-----Original Message-----
> >>>>From: accessindia-bounces at accessindia.org.in
> >>>>[mailto:accessindia-bounces at accessindia.org.in] On Behalf Of Asudani,
> >>>>Rajesh
> >>>>Sent: Wednesday, June 02, 2010 4:28 PM
> >>>>To: accessindia at accessindia.org.in
> >>>>Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
> >>>>
> >>>>Well, I will apply for credit card with PNB!!!!!!
> >>>>(Smile)
> >>>>No, will make another earning blind to do so, instead, who is not a
> >>>>central
> >>>>banker!!!
> >>>>
> >>>>
> >>>>Regards
> >>>>
> >>>>"Perhaps our role on this planet is not to worship God-- but to create
> >>>>Him."
> >>>>
> >>>>                                        --Arthur C. Clarke
> >>>>
> >>>>(Rajesh Asudani)
> >>>>
> >>>>Assistant General Manager,
> >>>>Reserve Bank of India
> >>>>Nagpur
> >>>>09420397185
> >>>>O: 0712 2806676
> >>>>Res: 0712 2591349
> >>>>
> >>>>
> >>>>
> >>>>-----Original Message-----
> >>>>From: accessindia-bounces at accessindia.org.in
> >>>>[mailto:accessindia-bounces at accessindia.org.in] On Behalf Of Kamal Verma
> >>>>Sent: Wednesday, June 02, 2010 12:26 PM
> >>>>To: accessindia at accessindia.org.in
> >>>>Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
> >>>>
> >>>>How the people blame that PNB ignores the blind community.
> >>>>
> >>>>Kamal Verma
> >>>>----- Original Message -----
> >>>>From: "BHAWANI SHANKAR VERMA" <bsvermadurg at gmail.com>
> >>>>To: "access india" <accessindia at accessindia.org.in>
> >>>>Sent: Wednesday, June 02, 2010 8:41 AM
> >>>>Subject: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
> >>>>
> >>>>
> >>>>hello accessindia!
> >>>>
> >>>>i am pasting the circular for pnb credit card for blind customers, in
> >>>>the
> >>>>interest of all blind customers. hence, this circular contains tables,
> >>>>please check the correct formatting before taking printout of  the
> >>>>circular.
> >>>>
> >>>>thanks,
> >>>>
> >>>>bhawani
> >>>>
> >>>>
> >>>>
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> >>
> >> with warm regards
> >>        Mahendra Galani
> >> window's live ID mahendragalani at hotmail.com       skype ID chintu3886
> >> phone +4314943149 mobile +4369910366055,
> >> address Herbst strasse 101.16.1 Vienna Austria Europe
> >>         ---------------------------------------------------------------------
> >>
> >>
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-- 
Mahesh S. Panicker
C123;
Dayanand Colony;
Lajpat Nagar4;

New delhi india.




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