[Resolved]  HDFC Bank Credit Cards — Harassment that i faced

Address:

Hyderabad, Andhra Pradesh

I have HDFC credit card since September 2007 and according to my knowledge and what i can remember,i had used some
30k but in return i dont have score of money that i've paid to them,it must be more than 1 lakh or so. What i want to complaint here that they are the same guys who used to call us and lure us by telling us things that dont even
exists and then charging us on grounds that they have mentioned in their booklet in such small letters that you need microscope to read that. Late fees,sky high Interest rate and what not. They are the robbers who have permission from our government to rob people by selling their useless policies, giving credit cards, charging interest rate and then on top of that, i[censored] r late by one day, they will charge you with late fees so high that could be more than your daily wages. I still remember when i joined job i used to get 16k in hand and at that time i had the privilege and freedom o[censored]sing 6-7 credit cards but now when i'm getting 50k in hand i dont have privilege to get Home loan just because of the settlements that i had so far. What most of the guys here may not know is that inspite of paying the settlement amount you could be black listed to get loan anytime in future. I m not concerned about Home loan now, i m concerned about one thing only, we as citizen of India used to pay tax, a part of our income got deducted as tax, income for which we might have worked like animals, stayed away from family, tortured by people of different states, but in return what we are getting? These loan lending banks who are no way better than old thekedaars who used to torture people and eventually leaving them with no option other than suicide, Police who want money for even writing a valid FIR, Ministers who can eat you up and wont even let u know, there is no place left where we can smile and say that this is what I feel proud to be an Indian. Just an year back, i had no interest in going to Foreign countries and earn in dollars and pounds, i had a dream to take my last breath here where i've grown up and studied, learned manners, culture, learned to respect, played, make friends and enjoyed my collage life, but now i just want to run away from this country, i feel now we have nothing left that can keep me here, and this is the same feeling that my plenty of friends used to have long back. I m just thinking about time, what would happen when eventually all the talent will escape from here, what when every student and every Engineer will have the same feeling as i m having now, this country will stay with criminals only, criminals in shape of these banks. I cant request that these banks should be closed and they should get some punishment for leading to so many suicides, because i know that the very first mistake is done by we people only, and then for that one mistake our whole life get ruined by these banks. Its my personal request from the people who run this country, please dont allow these banks to charge interest rate so high that they dont used to give to their customers, they give 5% annual interest for the savings account but have the liberty to charge their customers with 17-18% interest monthly on credit cards. When we are depositing money in these banks, is it not the credit they are getting from us? Is it not the same money that they give as loan to some othet people in need? Please dont let them ruin thousand of life, slap them hard with a rule or a law that can remind them that noone legally or illegally is allowed to ruin lives in this country.I just hope my time in writing this long article wont get wasted and i'll somehow see the results soon, beleive me this is not just my voice, i m sure plenty of people will agree with me on some points.Expecting a result.