[Resolved]  HDFC Bank — HDFC Credit Card

Hi,

My Brother holding the credit card (no. [protected]) and couldn't make the payment due to health issues.
We communicated same to the HDFC executives to settle the payment.
We had discussion with one of the HDFC executive and settled the amount 15,000/- for the outstanding of 25,000/-
Also, we agreed the same to make the payment.
After that he didn't respond and we tried to reach him many time and no luck.
Now it reached 38,000/- and he called us and asking the payment of 25,000/- as a final settlement.
Please help us on the same.
Thanks in advance.

I used the HDFC credit card last in the month of January at the Changi Airport in Singapore.
I used the Credit card overlimit by Rs 1872.92/- ie my credit limit was Rs 15000/-.i made a full payment of Rs 16872.92 /-
in one cheque itself. I calle dthe bank and asked them to close my account, which from their side havent done still.AND now they expect me to make a payment of Rs 6817/- as the late fee charges and overdue etc.
My question is if i had asked them to close my account why didnt they do so ? and now insisting me to make a payment.
I last spoke to Mr Iqbal Sheikh(manager at HDFC LEGAL DEPARTMENT) and Ms Hetal (Executive HDFC LEGAL DEPARTMENT)

Pls dont go for HDFC Credit Cards, as before we take they promise or say these are the offers available with the credit card.
But once you receive the card, if you cross check with customer care they say some one has fooled you!!!.

Pls dont ever go with HDFC Credit Cards

No 1 fooling Bank.

Hello,

I have a Savings account (Salary Account) with HDFC, By mistake i have transferred Rs5000 instead of Rs.4000, Request you to kindly stop the payment.

now. 4 weeks ago I applied for credit card. first they told me I can't get one since i don't have the require balance in my A/c, which is fine but if my salary is more than 2 lacs per annum then I can apply for one.

so I did- after one week of my submitting the application with my salary slip and other documents I was told by the bank your application has been rejected because you are a media professional. This is our bank policy. When I demanded it in writing the bank cleared by application.

Then i was told it will take another week for them to do residence add verification

3rd week I was told all papers are in order you will get the card in 10-12 working days.. I got a call from the bank saying my signatures did not match? and they wanted another copy of the salary slip- when I enquired why I was told they lost my application.. I wasted 2 hrs going back and forth filling the application again only to be told end of the day- rejected! why because they didn’t accept my salary slip on a company letterhead???? How bizarre is that.

Feel like a complete fool- wasted 4 weeks for what???


I am not interested in taking the credit card any more.. Totally disgusted with the experience. The staff is not helpful has an attitude problem and lies to the customer. Just pass on the message to the HDFC’s sr. team that your employees will cost you a lot of a/c I will still get a card with some other bank.

Dear Sir/Madam,

It is to inform you that I have been issued HDFC Bank Credit Card through Blue Dart Courier AWB # [protected] Dated 26.10.2009. I was on leave from 19th October to 3rd November 2009. Today I have been informed through SMS on my phone no. .[protected] that my card has been returned back and i have to contact customer care. Please send my card at my official address:-

Vinod Kumar, Assistant Librarian, Guru Jambheshwar University of Science & Technology, Hisar- 125001 (Haryana) India.

Thank you,


Vinod Kumar

I totally agree with you. I have the same experience for last eight months. Three times I have submitted all the documents and five times salary slips. They have many excuses to say and even today they have called me again for documents. I am working with an IT company, my salary is above 350000. Still I don’t know what game they are playing. I don’t know if they are able to misuse my documents. Anyway I will spread an email in my office so that no one from my office will be their victim again.

Hi,

This is to apprise that I had a credit card with HDFC with card no [protected] issued on11/03...which I holded for an year...after which I owed some money towards the card and could not pay it as I met with an accident and was bed ridden, I had promised bank that I will pay the amount in installments and which I did and I have a settlement letter for that, however between this course one of Bank representative misbehaved with me and my father and threat of giving my name to defaulter list despite I cleared the a/c and the same thing happened. I have been loyal customer to HDFC and I have a corporate A/C since last almost 6 and half years. But because of this my all loans get rejected and I am being harassed by HDFC Bank.Please assist else I will have to go to Consumer court for my rights.

Hi,

I am a HDFC bank account and Credit Card holder.
My Credit Card was stolen in Nov 09. I was not aware that it was stolen until 5 days. I got my card blocked and filed a complaint for loss of card with the police.
Till then illegal purchase of Rs 8000 was already done from the card.
Also i faxed all the documents along with police complaint to HDFC complaint center.
Since I had my salary account with HDFC, they have put Rs 8500 from my account on hold. This will be debited to the credit card account within 15 days.This is completely unethical, infact illegal. Just because i hold a salary account with HDFC, they dont get an authority to do so.It would have been fair had they gone ahead and taken legal action against me.Now,I plan to take legal action against them for forcefully deducting money from my account.

Thanks
Dhruv Kumar
[protected]

Sir,
This is to request you that I (Ravinder Singh) was a HDFC Credit Card holder (Card No. [protected]). I have got a personal loan of Rs. 29000/- dated 29.03.2008 on behalf of this credit card. I was paying its all EMI continue but after some dispute between me and bank they were treating me and my family also. Now I have paid my entire Loan amount but still they are harassing me and my family also.
I have already registered a complaint against this but no actions have been taken.
Kindly arrange to take necessary action at your end as soon as possible.
Thank’s n regards

Ravinder Singh
[protected]

Hi ,

My Credit card No. is - [protected]( Titanium Int)
Saving account No . - [protected]
Name - Pritu
Place - Delhi


I got a settelemnt amount from bank of 25k , as my actual amount with interest was 40 k ( Once i stopped payment till date it become 60 k )

I have all mails from my side where i discussed my problem with bank that because of recession i lost my job so as soon as i got i will repay the amount .....finally i got my job on Feb 2010 & corporate amount with same bank ...i wrote a mail to bank on 2nd feb 2010 that on 7th of March 2010 i will reapy the amount ...i sumitted my salary cheque to bank it was cleared on 9th March 2010...i tried paying my outstanding ( settled amount in the month of Feb by bank 25 k ) by net banking but my hole salary 33 k was put on hold .

Now they are saying that this 33 k is on hold & still i have to pay 30 K more to settle this ( Total 63k ) ....Pls help me into this .....as in the current scenerio won't be able to pay this much to bank

respected sir/madam

my name is dilmeet singh and my credit card number is [protected] and my d.o.b is 22/07/1982 and my addres id h. no 10, gali no. 10 hargobind avenue palah sahib road amritsar, i have a credit card of your bank, i got my credit card in the month of jan. but i did not recived any credit card pin till the date and i requested so many times in your mohali call center but every time they promise me that i will get my pin soon, now its too late this is a last reminder to your department if you didint send my pin in week time i will surrender my credit card to your bank

thanking you, dilmeet singh

sir/ madam,
to whom this mail concern i have a credit card of your bank my credit card number is [protected], you have given me a credit limit of 75000 and i am not satisfied with the limit so please increse my credit limit, so i would like to request to you that please increse my credit lomit to atleast 125000 inr, and you can demand me documents for this please mail me or contact me on cell no, my previous cell no. is [protected] but this no. is not working now so please call me on my new cell no. is [protected] and please update this no. in my account
thanking you, dilmeet singh

They harassed me for one year and i want to share my experience with everyone.

HDFC bank Credit card recovery department is most notorious in the country.

That is the reason they can show very low Non Performing Assets because they never write off any of the settlements done with the customers.
They did the same with me for one year. I took the matter with ombudsman, using all the emails that i had sent for one year, the settlement letter scanned copy and the proof of payment that i had done. Now i have received the zero balance confirmation and the write off in cibil.

They try to get you into accepting expired settlement letter after which you have no rights. Make sure you make the payment within the written time frame of the settlement letter at all cost

*they sent harassing recovery agents on 'behalf of HDFC Credit card'
*the agent wanted me to make part payments rather than asking for settlement letter
*they tried to make me accept the expired settlement letter.
*they did not honour their written commitment made via their settlement letter for writting off the dues.
*they kept on refusing on emails and kept asking for more money for writing off in cibil records.
* I took up the issue with their "Nodal officer" as well but to no use.
*finally i took all the mails to the ombudsman and got the issue resolved.
*Till date HDFC credit card department holds that everything that was done is in accordance with bank policies. (only God knows how many inhumane policies do they have in their kitty)
*they have wasted my whole one year in followups, mental harrasment, and botheration.

Stay away from HDFC bank for all reasons.

My Card No.[protected] is showing diclination while processing for Payment, where other cards working.
Pls.look into the matter, immediately and inform.

Regards,
Kajal Kumar Sarkar.
E.Mail.ID:[protected]@gmail.com

Hi,

I am Abhishek, I am a custmor of HDFC BANK for last 4 years.Last month I have a Cradit Card of HDFC Bank from Rajorigarden Branch.On that Mr. Roshan and Mrs Rajkumari have promised me that the Card will be life time free and No mambership charges will be charge for me because I am an employee of Intelenet Global Services.

But Now I have received a bill of 440rs.When I asked this question these person I have not recevied a suitable answer.

So First of please close my card Imedatitly and after that reback this amount.

If you have not take a action asap otherwise I will go to consumer court.

My card no.[protected]

Ref no. of bill[protected]R0022867

Best regards
Abhishek

Never opt for HDFC Credit Card:
If by any means you will forget your credit card payment, they will call like anything, using very bad language. First they will give you card without opting .
I was using their card since last 3 years, but once I forgot to make payment, as I was out of city.
They will charge you for late payment (which is very high) + they will call you stating that you are in debt, and command as they are so superior that they have given you money and you r a person not paying their payment.

As per my suggestion never ever take card from this bank

STUPID BANK

This is really surprising and embarrassing that your team has never come back to me stating that I had to pay the due for the Smart Pay for M/s BSNL Untill yesterday. This was activated without even informing me and getting confirmati from me. Your attachments do not include the duly signed form, for smart payment from my end in December 2005.

1. What is meant by Merchant City in your credit card statement which has been attached and why is it reflecting as MUMBAI? (Image named 130_02052006 in the attachment)
2. On[protected] why is your credit card statement showing with the same Trxn. Ref. No [protected] and the Amount Rs. 547.00 3 times. on HDFC Credit Card no. 0004************4425
3. It is really the worst experience I have ever had in my life with any bank. I have transactions with quite a few banks for the past 5 years and there hasn’t been any kind of late payment or miss out or even cheque bounce or any other issues.
4. NOTE:- Its has been very clearly updated to CIBIL from your bank as on[protected] current balance is 3549.00 and over due and amount over due is 1180.00 now you come up with a strange outstanding amount stating 16708.93 In your email. How in the world could a customer be cheated so badly from a reputed bank?
5. Why was that for 4 years it was not disclosed to the customer that the due was from Smart payment which I never asked to activate and which was also deactivated without my knowledge. Why was there a wrong information provided to the customer in 2010 stating the credit card would be closed when I spoke to your customer care executive. It was also informed that it was only annual fees which were due and interest for the same was added.

Please find the below information and the supportive Bank statement in which it clearly states that in 2005 all the financial transactions were taken care by dad and the BSNL Telephone Bills were paid by Cheques of Bank Of India.

1. On 27th January 2006 BSNL telephone bill amounting Rs. 631.00 was paid by Bank Of India Cheque number: 50XX46
2. On 23rd March 2006 BSNL telephone bill amounting Rs. 547 was paid by Bank Of India Cheque number: 50XX48

Please do have a conversation with your service manager Ms. Janet Rasquinah. It would be great if you can call me and update I have been following up with your team for quite some time now. Finally I have to trouble my parents and get my dad’s passbook copy scanned and send it across to me. I am already upset that I am not able to contribute to my sister’s marriage and now I have to almost spend an hour to check 3 times a day for your update On calling your customer care number they have informed that they do not have access to check the status or any updates on reference number [protected] . I am running out of time which is very precious at this moment for me. Hope you understand the situation.
Please update my CIBIL record status as closed and change the DPD to XXX

Dear Customer,

We will look into the charges on your card and respond with a clarification on the same. We request you to write to [protected]@hdfcbank.com with your credit card and contact details, details of the disputed charges and the reference number TTU[protected]. We will respond to you soon.

Regards, Customer Assistance, HDFC Bank

Issue has been resolved after 4 months and 3 business days. Thanks to Rajeshwari and Joshi Paul