yes you are right. But actually they were offering me a maximum of 3X that amount but decided not to give in to such "generous" offer. ANd mind you, I never missed a single payment with it and even my CC's as I believe it's my duty to pay. Well, maybe because I am a good customer, their response to my internet banking query is also satisfactory.

But I tell you, if I visit their office (which is very seldom), there are times I really get uncomfortable because of the long time spent in waiting for your turn (because a lot prefer to do counter service like many of you) but I just treat it as normal because it also happens back home!