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	<title>Comments for Gaurav Sharma</title>
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	<link>http://www.gsharma.com</link>
	<description>Gaurav's personal views</description>
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		<title>Comment on Citi NRI Vs ICICI NRI Bank Account by SS</title>
		<link>http://www.gsharma.com/citi-nri-vs-icici-nri-bank-account/comment-page-5/#comment-74232</link>
		<dc:creator>SS</dc:creator>
		<pubDate>Sat, 18 Feb 2012 14:09:00 +0000</pubDate>
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		<description>I completely agree with above comments.</description>
		<content:encoded><![CDATA[<p>I completely agree with above comments.</p>
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		<title>Comment on Citi NRI Vs ICICI NRI Bank Account by Gbvyas</title>
		<link>http://www.gsharma.com/citi-nri-vs-icici-nri-bank-account/comment-page-5/#comment-74228</link>
		<dc:creator>Gbvyas</dc:creator>
		<pubDate>Mon, 13 Feb 2012 04:18:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.gsharma.com/2006/03/30/123/citi-nri-vs-icici-nri-bank-account/#comment-74228</guid>
		<description>I disagree with you Gaurav when you stated that 25% of advertising budget should be spent on customer service by ICICI - I think it slould be at least 75% !!!!   I too have a lot of experience with ICICI - and have been given INCORRECT information on many occassions by Bank staff - which is inexusable !!!!</description>
		<content:encoded><![CDATA[<p>I disagree with you Gaurav when you stated that 25% of advertising budget should be spent on customer service by ICICI &#8211; I think it slould be at least 75% !!!!   I too have a lot of experience with ICICI &#8211; and have been given INCORRECT information on many occassions by Bank staff &#8211; which is inexusable !!!!</p>
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		<title>Comment on Citi NRI Vs ICICI NRI Bank Account by Iyerravi</title>
		<link>http://www.gsharma.com/citi-nri-vs-icici-nri-bank-account/comment-page-5/#comment-74222</link>
		<dc:creator>Iyerravi</dc:creator>
		<pubDate>Mon, 06 Feb 2012 14:26:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.gsharma.com/2006/03/30/123/citi-nri-vs-icici-nri-bank-account/#comment-74222</guid>
		<description>I just transferred a big amount of USD using wire transfer to my ICICI account. I was shocked at the exchange rate that was provided. They provided me with a rate that was almost 70 paise less than what was quoted by money2india or the rate offered by using wells Fargo for a one day transfer

I am in communication with their customer service but they claim that was the prevailing rate. I have lost confidence with this bank and am looking at opening an account with another bank </description>
		<content:encoded><![CDATA[<p>I just transferred a big amount of USD using wire transfer to my ICICI account. I was shocked at the exchange rate that was provided. They provided me with a rate that was almost 70 paise less than what was quoted by money2india or the rate offered by using wells Fargo for a one day transfer</p>
<p>I am in communication with their customer service but they claim that was the prevailing rate. I have lost confidence with this bank and am looking at opening an account with another bank </p>
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		<title>Comment on Citi NRI Vs ICICI NRI Bank Account by Karpaka</title>
		<link>http://www.gsharma.com/citi-nri-vs-icici-nri-bank-account/comment-page-5/#comment-74215</link>
		<dc:creator>Karpaka</dc:creator>
		<pubDate>Sat, 21 Jan 2012 10:03:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.gsharma.com/2006/03/30/123/citi-nri-vs-icici-nri-bank-account/#comment-74215</guid>
		<description>citibank had to be bailed out</description>
		<content:encoded><![CDATA[<p>citibank had to be bailed out</p>
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		<title>Comment on Citi NRI Vs ICICI NRI Bank Account by Drownforgood</title>
		<link>http://www.gsharma.com/citi-nri-vs-icici-nri-bank-account/comment-page-5/#comment-74209</link>
		<dc:creator>Drownforgood</dc:creator>
		<pubDate>Thu, 12 Jan 2012 22:03:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.gsharma.com/2006/03/30/123/citi-nri-vs-icici-nri-bank-account/#comment-74209</guid>
		<description>So much noise over all banks. Banks have no other choice. They are not in a sophisticated land, they have only one way to protect your money. Just keep adding more and more security (even though looks stupid) levels. Guys, you are not opening a tap and get a bucket full of currencies, you sweat a lot 24/7 to earn money. It is tough, but at the end you have your money safe. Don&#039;t force the banks to lift securities. SSO is the easiest way to lose money in India. You don&#039;t feel it until you taste it.</description>
		<content:encoded><![CDATA[<p>So much noise over all banks. Banks have no other choice. They are not in a sophisticated land, they have only one way to protect your money. Just keep adding more and more security (even though looks stupid) levels. Guys, you are not opening a tap and get a bucket full of currencies, you sweat a lot 24/7 to earn money. It is tough, but at the end you have your money safe. Don&#8217;t force the banks to lift securities. SSO is the easiest way to lose money in India. You don&#8217;t feel it until you taste it.</p>
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		<title>Comment on Entreporn &#8211; NSFW by cspritch76</title>
		<link>http://www.gsharma.com/entreporn-nsfw/comment-page-1/#comment-74208</link>
		<dc:creator>cspritch76</dc:creator>
		<pubDate>Thu, 12 Jan 2012 00:03:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.gsharma.com/?p=619#comment-74208</guid>
		<description>That is funny, and very true!!  I was wondering if this article counted as Entreporn, and then you said it yourself :)
IMHO anyone that admittedly commits Entrepornication should get a pass.</description>
		<content:encoded><![CDATA[<p>That is funny, and very true!!  I was wondering if this article counted as Entreporn, and then you said it yourself <img src='http://www.gsharma.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /><br />
IMHO anyone that admittedly commits Entrepornication should get a pass.</p>
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		<title>Comment on Citi NRI Vs ICICI NRI Bank Account by srinivas yaddanapudi</title>
		<link>http://www.gsharma.com/citi-nri-vs-icici-nri-bank-account/comment-page-5/#comment-74202</link>
		<dc:creator>srinivas yaddanapudi</dc:creator>
		<pubDate>Wed, 04 Jan 2012 18:18:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.gsharma.com/2006/03/30/123/citi-nri-vs-icici-nri-bank-account/#comment-74202</guid>
		<description>It might be true with CITI Bank NRI accounts in US , UK CITI BANK is the worst NRI bank account to open ..they are bunch of idiots sitting in London Branch.</description>
		<content:encoded><![CDATA[<p>It might be true with CITI Bank NRI accounts in US , UK CITI BANK is the worst NRI bank account to open ..they are bunch of idiots sitting in London Branch.</p>
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		<title>Comment on Citi NRI Vs ICICI NRI Bank Account by Kusaura</title>
		<link>http://www.gsharma.com/citi-nri-vs-icici-nri-bank-account/comment-page-5/#comment-74199</link>
		<dc:creator>Kusaura</dc:creator>
		<pubDate>Mon, 26 Dec 2011 07:26:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.gsharma.com/2006/03/30/123/citi-nri-vs-icici-nri-bank-account/#comment-74199</guid>
		<description>But, i do appreciate citi bank&#039;s services in India, better than ICICI, their customer service is so much out of current standards, not sure of SBI&#039;s  NRI accounts though. Citibank never charged me for using another ATM or DD&#039;s, i like that.  When i sent money using icici couple years ago, it was lost in between, i think they used it for one month before returning it to my US bank on my request, and after i returned back to US from my India trip(Couldn&#039;t even use that money in India). Sorry ICICI - No Offense. 

Customer service - They had &#039;ego&#039;, they did&#039;t have any respect, they were not courteous to me even when i was to them - of-course everyone was not like that, but recruiters must realize that every single employee represents ICICI, and courteousness is the first and the minimum they should practice before they can even say they have a customer service.</description>
		<content:encoded><![CDATA[<p>But, i do appreciate citi bank&#8217;s services in India, better than ICICI, their customer service is so much out of current standards, not sure of SBI&#8217;s  NRI accounts though. Citibank never charged me for using another ATM or DD&#8217;s, i like that.  When i sent money using icici couple years ago, it was lost in between, i think they used it for one month before returning it to my US bank on my request, and after i returned back to US from my India trip(Couldn&#8217;t even use that money in India). Sorry ICICI &#8211; No Offense. </p>
<p>Customer service &#8211; They had &#8216;ego&#8217;, they did&#8217;t have any respect, they were not courteous to me even when i was to them &#8211; of-course everyone was not like that, but recruiters must realize that every single employee represents ICICI, and courteousness is the first and the minimum they should practice before they can even say they have a customer service.</p>
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		<title>Comment on Citi NRI Vs ICICI NRI Bank Account by Kusaura</title>
		<link>http://www.gsharma.com/citi-nri-vs-icici-nri-bank-account/comment-page-5/#comment-74198</link>
		<dc:creator>Kusaura</dc:creator>
		<pubDate>Mon, 26 Dec 2011 07:10:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.gsharma.com/2006/03/30/123/citi-nri-vs-icici-nri-bank-account/#comment-74198</guid>
		<description>Never had icici but little bit of money transfer experience with the rupee checking account using citi-bank rupee checking account. I almost always forget my UN PW, and it always takes month to receive another IPIN from India in slow as snail mail (Hate that), citi bank - PLEASE ADD FORGOT PW , or FORGOT IPIN or FORGOT UN or CREATE UN instead of this insanely long card number every single time. No one has that much of time in US to reach out for your debit card every single time as your CREATE USERID never works.

Exchange rates for transferring money into my NRI account was never great, and i have always ended up transferring money using xoom, remit2india or money2india instead of citinri....what a mess is your citinri - very much user non-friendly. I am seeing the same old interface after 6-7 years with no improvements in its security or speed or usability.</description>
		<content:encoded><![CDATA[<p>Never had icici but little bit of money transfer experience with the rupee checking account using citi-bank rupee checking account. I almost always forget my UN PW, and it always takes month to receive another IPIN from India in slow as snail mail (Hate that), citi bank &#8211; PLEASE ADD FORGOT PW , or FORGOT IPIN or FORGOT UN or CREATE UN instead of this insanely long card number every single time. No one has that much of time in US to reach out for your debit card every single time as your CREATE USERID never works.</p>
<p>Exchange rates for transferring money into my NRI account was never great, and i have always ended up transferring money using xoom, remit2india or money2india instead of citinri&#8230;.what a mess is your citinri &#8211; very much user non-friendly. I am seeing the same old interface after 6-7 years with no improvements in its security or speed or usability.</p>
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		<title>Comment on Citi NRI Vs ICICI NRI Bank Account by Sreedharreddy19</title>
		<link>http://www.gsharma.com/citi-nri-vs-icici-nri-bank-account/comment-page-5/#comment-74191</link>
		<dc:creator>Sreedharreddy19</dc:creator>
		<pubDate>Thu, 22 Dec 2011 01:51:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.gsharma.com/2006/03/30/123/citi-nri-vs-icici-nri-bank-account/#comment-74191</guid>
		<description>You are perfectly right dude, i am so f***ed up with this F*****g ICICI NRI services. Imagine to enable account password they take 7 bussiness days (they will send password through normal mail from Mumbai to US address). They won&#039;t enable locked account otherwise. I am going to close accounts with ICICI tomorrow.</description>
		<content:encoded><![CDATA[<p>You are perfectly right dude, i am so f***ed up with this F*****g ICICI NRI services. Imagine to enable account password they take 7 bussiness days (they will send password through normal mail from Mumbai to US address). They won&#8217;t enable locked account otherwise. I am going to close accounts with ICICI tomorrow.</p>
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