my bank never ceases to make my life just a bit more difficult. take for instance a small matter of activating transaction rights on my already active internet banking facility. notice already that the transactions rights are not automatic. once one has net-banking, one has to go ask for transaction rights separately. and then, the bank doesn’t trust its clients with the main password, so therefore there’s a profile password too - the closest analogy being that the main password is for getting inside ‘the safe room’ and the profile password is for getting into ‘the safe’. also, bank thinks that a hacker who can hack into ‘the safe room’ would for some reason not be able to hack ‘the safe’. so anyway, i write an application in order to be able to create a profile password. for THAT, my home branch makes me jump through mobius-like hoops for three weeks at the end of which i still don’t get a profile password or transaction rights.
this injustice leads to a hapless customer care executive being subjected to an impassioned rant from me. in order to get rid of me, the executive gives me something called the ‘customer unhappy’ number where one can crib to one’s content. interestingly, this actually leads to someone from my bank calling and enquiring about the problem. within four days – a blink of an eye by my bank’s scale of time – i get an sms from my bank that starts with ‘respected customer’, and that i can create my profile password and access transaction rights.
WOW! so with hope restored, i set about to create a profile password. and then i realize that it’s not over until the bank says it is over.
behold what i was faced with:

it’s a triple bind – i can’t leave the page without creating my profile password, but the page won’t accept my password unless i choose a security hint question, but the range of hint/security questions is such that i have to self-eliminate because i don’t fit the target profile – bourgeois middle-aged man* who works in companies and buys shares AND has more than one child – or i dare not choose the question because built into the question is the guarantee that you shall forget the answer as soon as you type it in. now, if my memory were capable of dredging up obscure bytes of information at my beck and call, i wouldn’t need to access the hint question in the first place, would i?
see, i have had my suspicions that my branch people are sadists and they probably bet amongst themselves who would make how many customers cry on a particular day. but having now seen these hint questions, i realize that it’s nothing to do with the people – it’s part of the bank ethos. the bank promotes mind-fuck.
for instance, consider the last one ‘what plant you like or dislike’? first, how many people have favourite plants? okay, people like me. but then if you are the kind that has favourite plants, you don’t have just ONE favourite plant, you like many because it is the profusion and the bounty that makes plants beloved. then the question goes even further into complexity and chaos by adding ‘or dislike’ ? my mind is boggled already. but it doesn’t stop. fourth and final, the syntax of the sentence is just wrong. by this time i’m slamming my head against the wall.
in short, i see it as clear as the light of the day now – my bank and i don’t get each other, we don’t like each other, and i’m running out of reasons why we should be together. i think our relationship is doomed.
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* favourite sports columnist? how many women, and men also, do you know who follow sports columnists?
if you are that rare person who went through the list of hint questions and thought, ‘what’s the fuss about? these look reasonable to me’, congratulations and you are welcome to be a State Bank of India customer. you are made for each other, probably.