Nirav modi took loan flew
Vijay malya took loan flew
Now we should not give big loan to adani , Ambani ,tatas , because they can fly away ..
Bribing ? Bro if u go & take loan from sbi . The branch manager won't give loan without you buying ulip right there
GIVING card to other - user experience & they get punished if flagged by system
Money rotation - credit card are there to exploit people who are bad with money .
And get exploited by people who knows how to arm twist bank to take all juices out of it