Should I trade lower loan rates for better banking service quality?
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With my past issues with government banks (delays in basic services), should I prioritize better service quality and digital convenience over slightly lower loan rates? Or do the long-term benefits of being a long-standing customer with a PSU bank still outweigh the service challenges I've personally faced?
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I know PSU banks feel safer or cheaper, but the daily glitches really add up. Sometimes it's better to pay a bit extra for a bank that just works smoothly. Your time and sanity are worth more than the small amount you're saving on fees.