I have complained that even at day time I have to talk to Indian Customer Representatives from Citi. I am not saying that the service from Indian Customer Representatives is very bad. But it’s true that the quality is not so good. How can the biggest bank in US sell the customer service to India? Will this really lower the cost? Compared to Citi, AMEX and Discover are really good. You can always talk to an American representative who will save a lot of time for you. Chase is also improving their customer service all the time.

The most terrible thing is the Identity Theft is very popular in India. Below is a “must see” video.