[Resolved]  HDFC Bank — Rude & misleading customer service

Address:	700026
Website:	Hdfc

I called the hdfc customer care as a long time customer of hdfc credit card to ask for suggestions to settle my credit card total amount, since i'm literally on the verge of bankruptcy.

Over the years i kept paying the minimum payment diligently, & last 1 & half years or so i haven't even used the card but kept making the minimum payments. i suffered a jobless 6 months last year & then got a job at a startup in pune for a much lesser salary, where i've been for the last 8 months, & i still continue to make the minimum payments, in a very tight financial status.

However, now i have more responsibilities towards my parents & their health expenses to add to my existing financial demons.

In such an event, i called hdfc to ask for suggestions to settle the card because i cannot afford to pay those minimum payments that are basically interest & finance charges & doesn't really decrease my total due amount. i was firstly told "you have taken the card, you have to pay the charges", in an aggressive tone, if i might add, which i still acknowledged & politely said again about my status & inability & also requested to talk to a supervisor or manager who might understand the situation & might know how to help me out, & she said "they will tell you the same thing, there's no other way, you have to pay either the whole amount or the minimum", this time even more rudely, & as i was about to request she hung up on me, she just hung up. so much for customer service & so much for assistance by a bank representative for a financial bankruptcy settlement request.

Is this how a banking official supposed to treat or (not) assist a customer, especially someone who's been sincerely paying over the years & is a polite caller??

I really need help, & i can't find an hdfc credit collections department number either. please lodge this complaint & please help me with the collection-settlement information.