If you got a nonsensical or vague reason for SBI credit card rejection like for e.g. "due to internal policy", etc., you can check the real reason via an SBI credit card executive. These people roam around SBI branches, malls, airports, petrol pumps, etc.
They have a mobile app called PowerPlay...
HSBC has a credit card "Flip" option, where they will change your existing credit card to another one. If you don't care about your visa platinum card, you can flip it for Live+. You can do it instantly via call or chat with customer care.
BTW, by "statement via email", I meant receive the statement pdf via email. Not email notification of statement generation or statement summary or any other type notification.
If your mom is able to visit the branch, its easier to close the existing account and create a new one. Else you can lure them for high initial funding and they will come to your house.
Translation: Its a crime
They have targets to fulfill, so they will pester you. If RM pesters, tell him verbatim that you can fulfill his target if he fulfills yours. When he asks what's your target, tell him LTF Infinia. At this point he will shut up or say "Saar, LTF Infinia not possible...
ICICI's linked FD is exactly like a regular FD, only that it is linked to your savings account. The additional advantages it has over regular FD are as follows.
1. If you withdraw funds from your savings account beyond your savings account balance, it automatically gets the additional amount...