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

Asudani, Rajesh rajeshasudani at rbi.org.in
Tue Jun 8 02:26:53 EDT 2010


That's exactly what I was talking about.
Because it is unusual in west to have one's photo on the credit card, and because pins are confined to ATM withdrawal, it is assumed to be sacrosanct here as well, and even high level committees  would not adopt anything different......


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 Steven Max-Faults
Sent: Tuesday, June 08, 2010 7:42 AM
To: accessindia at accessindia.org.in
Subject: Re: [AI] Moderator: Re: PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS





Hello,

I’m not sure if this is what you are talking about. Here in the US,
I know that Bank of America offers a service whereby customers can put their
photo on their credit card for extra security. So, when you use your credit
card to pay for something, they can see whether the photo on the card is you.
However, I think having your photo on your credit card is really unusual. Most
businesses just trust you, or just ask for a photo ID card. Credit cards in the
US also have PINs, but they are only used when borrowing money from the card at
the ATM.



Best,

Steven


--- On Mon, 6/7/10, Asudani, Rajesh <rajeshasudani at rbi.org.in> wrote:

From: Asudani, Rajesh <rajeshasudani at rbi.org.in>
Subject: Re: [AI] Moderator: Re: PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
To: "accessindia at accessindia.org.in" <accessindia at accessindia.org.in>
Date: Monday, June 7, 2010, 12:22 AM

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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>>>> National Bank. The bank considers unencrypted email as an insecure mode
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