As per the news published in major news papers/journals henceforth the Credit Card holders will be able to access their credit card information though automated interactive voice response system over the phone instead of speaking to the staff. This decision ofthe banks/credit card companies will provide— an additional hurdle to the customers as people feel comfortable in talking to the staff instead of talking to a machine. an additional security to the customers as this does not allow any staff to handle any transaction directly. some comfort to the banks as they will be able to reduce their staff strength.

• A. Only 1
• B. Only 2
• C. Only 3
• D. All 1, 2 and 3
• E. Only 1 and 3