I cant generate my mmid and customer care is stupid south indians they have hired on basis of lowest salary, for example I transfer money online when in business trip but my transaction failed for one payee I called customer care they say you cant have money online tranfer when in roaming its not possible, as bank will not sent otp I cut call again try to transfer money while on roaming its sucessful. They just make any execuse for there low technology infrasture. If you want loan against credit card check how much it is easy in hdfc than this low grade bank. Please dont open any account here.