Credit Rating of Faculties

While teaching estimation of cost of debt, I often discuss about rating of companies and how the same affects the cost of capital of companies. I have a few amusing experience of how our students (who are now managers of banks) rate the faculties.

a) HDFC Bank told me that I do not deserve a Gold card and that I am only eligible for a silver card:). I told them get lost...

b) Citibank sent me a letter saying that I am not eligible for a Gold card (though I already have a gold card from Citibank) after almost a year of my applying for another card. Surprisingly I received the Card the next day after receiving the the first letter. :) The left hand there probably does not know what the right hand does.

c) ICICI Bank similarly refused me to give a Gold card on the ground that I am not eligible for it.

Given that all those individuals who rejected my application were MBAs, I wonder what our students think of us :)




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