“Ma’am, please help me with your documents to proceed with your ICICI credit card application.” Navya from ICICI Bank messaged me on the morning of 22 January, 2022. A few days ago, I’d received a call from her offering me an ICICI Bank Credit Card and I’d agreed because I’d been missing out on ICICI Bank Credit Card offers while shopping The credit card benefits such as Reward Points seemed interesting But here’s the thing. The enthusiasm with which I’d agreed to apply for t