[AI] Moderator: Re: PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS

BHAWANI SHANKAR VERMA bsvermadurg at gmail.com
Mon Jun 7 08:21:30 EDT 2010


you are right sir, one extra care to be taken for all customer is, the 3 
digit code number is printed on credit card. for safety, we have to remember 
that number, and better is to erase that number from the credit card. or you 
can make dark marking on that number. so, nobody can easily access it.

----- Original Message ----- 
From: "Asudani, Rajesh" <rajeshasudani at rbi.org.in>
To: <accessindia at accessindia.org.in>
Sent: Monday, June 07, 2010 9:52 AM
Subject: Re: [AI] Moderator: Re: PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS


> It is good, Rahul.
> Now, the tragedy of the story is as follows.
> Firstly, photo credit cards should be issued for all and not only for 
> blind.
> I had suggested this to RBI committee about four years back, along with 
> the suggestion that a PIN like ATM debit card be also prescribed for 
> credit cards which the customer should be   able to change.
>
> However, said suggestions did not find favor, supposedly due to the fact 
> no such things are done in western countries for credit cards and so, 
> Monkeys that we are, would not be able to implement all these things.
> I am glad in your case they at least gave photo card.
> Secondly, this individual victory would not be translated into general 
> practice across the banks BY DEFAULT.
> Such is the system here that everyone has to wage  a lonely crusade to 
> AVAIL the due rights.
>
> Interestingly enough RBI has issued an advisory making various ombudsman 
> directives as general directives to banks. But this practice of giving 
> photo credit cards to VI, if otherwise eligible,    would BE so made at a 
> future date, I am not sure.
>
>
>
> Regards
>
> "If you believe that there is a God, a God that made your
> body, and yet you think that you can do anything with
> that body that's dirty, then the fault lies with the manufacturer."
>
>                                             --Lenny Bruce
>
> (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 Rahul Gambhir
> Sent: Friday, June 04, 2010 6:41 PM
> To: accessindia at accessindia.org.in
> Subject: Re: [AI] Moderator: Re: PNB CREDIT CARD FACILITY TO BLIND 
> CUSTOMERS
>
> Hello all,
>
> This Circular is a result of a 6 months long crusade held between PNB,
> and banking ombudsman. Last year I filed a complaint with RBI banking
> ombudsman office.
> In March 2010 PNB communicated through a letter to me that they will
> come out with a policy on the subject matter till 31st may.
>
> Last month PNB communicated through a letter to collect a global
> credit card, and requested to close the complaint from  BO office.
> This credit card is similar to a normal VISA card but an additional
> feature is that they have prefixed my passport size photograph on the
> card.
> The amazing part of the story is that card has been issued to me on
> thumb impression.
>
> PNB has provided me with all the banking services, internet banking,
> debit card, and now this credit card, but all of the products took
> more than a year to be issued as all of the times I had to nock the
> dors of reserve bank .
>
> I am relief to know that now PNB has come out with a circular and
> fulfilled its commitment to banking ombudsman.
>
> Thanks
> Rahul Gambhir
>
> On 6/3/10, harish <harish at accessindia.org.in> wrote:
>> Hello all
>>
>> This thread is now simply dragging without serving any purpose.
>>
>> This thread is now closed.
>> Harish Kotian
>> Moderator.
>>
>> ----- Original Message -----
>> From: "BHAWANI SHANKAR VERMA" <bsvermadurg at gmail.com>
>> To: <accessindia at accessindia.org.in>
>> Sent: Thursday, June 03, 2010 6:26 PM
>> Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
>>
>>
>>> also would like to add one thing that a complainent is having laptop
>>> costing around Rs.35000/- and a screen reading software installed in it,
>>> costing around Rs.20000/- a broad band connection, paying the bill
>>> amounting to Rs.300/- per month. and a wireless lan modem costing around
>>> Rs.2000/- total cost around Rs.58000/- a complainent may deduct the cost
>>> of screen reader if he is using crack.
>>>
>>> thanks.
>>>
>>> ----- Original Message -----
>>> From: "Kamal Verma" <kamalverma at pnb.co.in>
>>> To: <accessindia at accessindia.org.in>
>>> Sent: Thursday, June 03, 2010 4:34 PM
>>> Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
>>>
>>>
>>>> Let the people file a litigation with the Ombudsman against PNB that 
>>>> how
>>>> a blind can afford such expensive devices in a poor country like ours.
>>>> But they still need credit cards. Let us see what the Ombudsman 
>>>> decides.
>>>> Kamal Verma.
>>>> ----- Original Message -----
>>>> From: "Asudani, Rajesh" <rajeshasudani at rbi.org.in>
>>>> To: <accessindia at accessindia.org.in>
>>>> Sent: Thursday, June 03, 2010 1:52 PM
>>>> Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
>>>>
>>>>
>>>>> So, I can read my statement online.
>>>>> I wonder why  PNB does  not require that I have a functioning Personal
>>>>> computer with screen reader installed on it and with active internet
>>>>> connection! and also that I ensure nobody spies on me when I use such 
>>>>> a
>>>>> gadget to read my statement!
>>>>>
>>>>> And, yes, even if I don't have a voice-enabled mobile and ask anyone 
>>>>> to
>>>>> read out the messages, they cannot know anything but the amount of
>>>>> transaction and date thereof.
>>>>> It is not possible to forge card details from it.
>>>>>
>>>>>
>>>>> My friends, give up the habit of "My country, write or wrong", and do
>>>>> not justify any arbitrary conditions merely because your own 
>>>>> institution
>>>>>
>>>>> prescribes them, or they are high-sounding technological gadgets which
>>>>> we want to make compulsory.
>>>>>
>>>>>
>>>>>
>>>>> 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 1:28 PM
>>>>> To: accessindia at accessindia.org.in
>>>>> Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
>>>>>
>>>>>
>>>>> Each transaction is communicated through SMS immediately after
>>>>> transaction
>>>>> happens and no any ceiling or floor amount. Statement can be viewed in
>>>>> its
>>>>> website.
>>>>>
>>>>> Thanks.
>>>>>
>>>>> Kamal Verma
>>>>> ----- Original Message -----
>>>>> From: "Asudani, Rajesh" <rajeshasudani at rbi.org.in>
>>>>> To: <accessindia at accessindia.org.in>
>>>>> Sent: Thursday, June 03, 2010 1:06 PM
>>>>> Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
>>>>>
>>>>>
>>>>>> Well, I believe  you can always download your credit card statements
>>>>>> from
>>>>>> the website.
>>>>>> Online checking is also possible.
>>>>>> Only SMS required to be sent is in case of transaction involving more
>>>>>> than
>>>>>> Rs. 5000.
>>>>>> So. what happens when A vi has the intimations and statements checked
>>>>>> by
>>>>>> any other means than voice enabled mobiles?
>>>>>> And I am curious how many SMS it takes to send a monthly credit card
>>>>>> statements?
>>>>>> I believe it is not wise to do so.
>>>>>> A soft copy coupled with online facility for statements is the norm.
>>>>>> All said and done, I smell PNB'S arbitrariness in having the
>>>>>> requirement
>>>>>> of mobile phone with voice which would cost me between Rs. 15 and 20
>>>>>> Thousand.
>>>>>>
>>>>>>
>>>>>> 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 12:20 PM
>>>>>> To: accessindia at accessindia.org.in
>>>>>> Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
>>>>>>
>>>>>> Because credit card transactions and statements are sent through SMS
>>>>>> only.
>>>>>> Kamal Verma
>>>>>> ----- Original Message -----
>>>>>> From: "Mahesh Panicker" <maheshspanicker at gmail.com>
>>>>>> To: <accessindia at accessindia.org.in>
>>>>>> Sent: Thursday, June 03, 2010 11:58 AM
>>>>>> Subject: Re: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
>>>>>>
>>>>>>
>>>>>>> good to see PNB doing something positive for the visually 
>>>>>>> challenged.
>>>>>>> one clarification though, why is PNB insisting on a voice enabled
>>>>>>> phone? would a screenreader enabled laptop or a netbook do instead?
>>>>>>> and hopefully, the PNB follows this initiative with meaningful 
>>>>>>> actions
>>>>>>> so that people need not blaim the organization itself.
>>>>>>>
>>>>>>> On 6/3/10, Kamal Verma <kamalverma at pnb.co.in> wrote:
>>>>>>>> Welcome Sir!
>>>>>>>> ----- Original Message ----- From: "Asudani, Rajesh"
>>>>>>>> <rajeshasudani at rbi.org.in>
>>>>>>>> To: <accessindia at accessindia.org.in>
>>>>>>>> Sent: Wednesday, June 02, 2010 4:28 PM
>>>>>>>>
>>>>>>>> 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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>>>>>>>
>>>>>>>
>>>>>>> --
>>>>>>> Mahesh S. Panicker
>>>>>>> C123;
>>>>>>> Dayanand Colony;
>>>>>>> Lajpat Nagar4;
>>>>>>>
>>>>>>> New delhi india.
>>>>>>>
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>>>>>>
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>>>>>> this
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>>>>>> bank
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>>>>>> disability bill at:
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>>>>>
>>>>>
>>>>>
>>>>> DISCLAIMER:
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>>>>>
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>>>>> National Bank. The bank considers unencrypted email as an insecure 
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>>>>
>>>>
>>>>
>>>> DISCLAIMER:
>>>>
>>>>
>>>> The Information transmitted in this email is solely for the addressee. 
>>>> It
>>>>
>>>> is confidential and may be legally privileged. Access to this email by
>>>> anyone else is unauthorized. Any disclosure, copying, distribution or 
>>>> any
>>>>
>>>> action taken by anyone other than by the intended recipient is 
>>>> prohibited
>>>>
>>>> and may be unlawful. If you are not the intended recipient then kindly
>>>> delete the mail from your system. Any opinion or views expressed in 
>>>> this
>>>> mail may not necessarily reflect that of Punjab National Bank. The bank
>>>> considers unencrypted email as an insecure mode of communication.
>>>> Voice your thoughts in the blog to discuss the Rights of persons with
>>>> disability bill at:
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>>>
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>>
>>
>>
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>
> Voice your thoughts in the blog to discuss the Rights of persons with 
> disability bill at:
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>
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> addressed. If you are not the intended recipient, any dissemination, use, 
> review, distribution, printing or copying of the information contained in 
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> or telephone and immediately and permanently delete the message and any 
> attachments. The recipient should check this email and any attachments for 
> the presence of viruses. The Bank accepts no liability for any damage 
> caused by any virus transmitted by this email.
>
> Voice your thoughts in the blog to discuss the Rights of persons with 
> disability bill at:
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>
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