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Don't have cash but want to buy the lovely shirt you just saw. You can do that if you have a Credit Card. But make sure you are able to pay off the entire amount due at the end of the month or you will be stuck with very high interest bills. While choosing your credit card find out about the joining fees, annual fees, add-on card fees, cash withdrawal fees, interest on cash withdrawal, interest rate if you are not able to pay the full amount due at the end of the month and freebies such as fuel surcharge waiver on filling petrol.
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Citibank to revamp retail business, expects 30 per cent growth in 2007
Citibank is set to change it business strategy in India and expects a 30 per cent growth in business in 2007, as a result of the revamp. Citibank plans to increase business volumes without increasing costs by the use of technology and cutting down processApnaloan.com Research Bureau
12 Sep 2007
Citibank is all set to change it business strategy in India and expects the revamp to bring in a 30 per cent growth in business this year.
The bank will get credit-card holders and borrowers to become account holders as well. Citibank plans to increase business volumes without increasing costs by the use of technology and cutting down process.
The average growth expected is a 30 per cent this year, against an industry average of 16 to 17 per cent. In 2006, Citibank's retail business grew at 21 to 22 per cent, which is lower than the average growth of around 30 per cent in recent years.
The bank also plans to introduce one single form for all products. The telemarketing calls are being consolidated across product lines. Alternate channels such as mobile banking are encouraged through free SMS updates.
The bank will continue to offer apnaloan.com/personal-loan-india/rates.html">retail loans to borrowers, but expects the loan ticket-size to increase from Rs 30, 000 to Rs 40, 000 as a result of larger incomes.
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