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.
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Are PSU banks improving their digital services and profitability? Should we still judge them based on past issues? Is the value gap between them and private banks actually closing, or am I missing something?