[Resolved] HDFC Bank — EMI and Balance Transfer

saravana4u

from Mumbai, Maharashtra

Address:

Chennai, Tamil Nadu

Hello Sir,

I have some problem with HDFC credit card below i have mentioned my problem please read and take necessary action.

i got a call from hdfc representative on november month 2010 regarding the hdfc titanium card, she explained about the facilities that are in the card like EMI and Balance transfer all are enabled default on your card. i conformed again before apply and applied. i got the card on december 2010, the representative told me that after getting your card with in 10 days you have make a call to the customer care and transfer the balance from some other card to hdfc titanium card. i called the customer care service and asked them about this after 3 days they said you don't have option of balance transfer in your card, i told about this they said ,"no you dont have the balance transfer offer you have cash load offer, please wait for few months we will enable this like that". after few days i purchased a two mobile phones amount of Rs.28000 using hdfc credit card, and i called the customer care and asked them to convert my 28000 purchase in to EMI, "Same answer from the customer care you don't have that offer, so please wait for few more months we will enable it like that" i requested the customer care to raise the request for EMI conversion. They simply told me that sorry we don't have offer on this like that. so i collected money from my friends and payed to the HDFC full amount, after a month i planned to purchase a laptop some amount of 48000 , this i called the customer care before i purchase and i conformed that i have a EMI option, the customer care executive told that yes you have the option just call the customer care after purchasing.and i purchased after i called them please convert this as a EMI This time they told "Sorry you dont have the EMI Offer" please wait for some more months and it will be enabled on your card. like that. I asked them i already inform to the customer care before purchase , but now your saying like this , they told me very simply sorry we given you a wrong information. sorry for that but you don't have the EMI option on your card like that. i requested some many times and emailed to the manger simply they are saying sorry we can't do anything.like that.please do the needful. i referred 5 of my friends and they got the card also , but they have the all options balance transfer and EMI like that i asked them how they enabled you this offers, my friends told they have received a call about a HDFC medical insurance and i have applied that then automatically all the options are enabled or me like that. i also got the call but i told them i have some other insurance some no needed like that. This is full of cheating.please do the needful. the interest of 48000 is too high for every month.please take necessary action.

The Reference number of my complaint is : [protected]
my name is : saravanakumar vadivel

my credit card number is :[protected]

i just got tired of raising the request to the HDFC.please do the needful

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Aug 13, 2020

Complaint marked as Resolved

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Comments

shreehari kayal

from Chennai, Tamil Nadu

emi credit card — debit balance

Sir, this is with reference to customer ID 4446931. in the recently sent statement where in you have credited back the lombard policy cancellation charges but deducted Rs.1415.76 against purchase and other charges. Here i want to explain you that when i have not received the card itself then where is the question o[censored]tilising of purchasing any thing from it. Hence i request you to kindly credit back that amount also.
I further request you that the card No.[protected] has not been delivered to me and you have earlier debited Rs.18, 078.98 to my ICICI Savings Bank account no.[protected] directly. Hence take this as request and credit the amount back to my savings bank account instead of crediting to my credit card statement.

Kindly do the needeful and oblige

yours faithfully,

SHREEHARI KAYAL

Tim@DebtDoctor

from Bangalore, Karnataka

Hi Saravana kumar,

Looking at your situation it is sad to note that the bank has not transferred your outstanding into EMI's. Now with this being the issue it is important that you have this dealt with immediately as the you longer delay the more interest you accumulate. If you will like more advice on dealing with this situation contact me on[protected]/ [protected] or email me at [protected]@debtdoctorindia.com.

Regards,
Timothy

kishore5008

from Bengaluru, Karnataka

Hi Saravana Kumar,

I am Kishore from Bangalore. I am Using my credit card HDFC from 2008 to till now. I understand ur problem but we cant say as they are cheating but its not good what they are doing with customers. Cause they will say that EMI option is there for ur card which means its from merchant end and not from HDFC end. U can use many number of times from merchant's side. We should know clearly before doing any actions. I can give one suggestion for future usage, Please call to HDFC customer care (not for single time) number of times and speak with different people before doing anything then definetly u will come to one conclusion regarding that. I am doing same thing that's y i never troubled myself. If we compare with remainng bank's i feel HDFC somewhat better and i[censored] experience some banks like ICICI then I think u will be white wash. Just follow my suggestion and i hope u wont be troubled in future. My side HDFC somewhat better than others. "Balance Transfer" option will be depends on credit limit. Starting they will say that u have option of balance transfer. Yes they are right from there end u have offer on ur card (titanium) but based on ur salary slip if credit limit is less then it wont be applicable. The person talks to u at that time will have role to explain u the features where as to decide ur credit there will separate department people so we need to be smart our-self.

kishore5008

from Bengaluru, Karnataka

Hi Guys,

Just Call To Customer Care (Any bank credit cards) number of times until u get conclusion whether Positive or negative speak with different customer care people and know ur self before making any actions.

Example: I started using my credit card from 2008 June. Starting I purchased mobile and converted to EMI as per they informed to me and completed by Jan 2009.. Later on May 2009 when i thought to purchase Laptop I don't know Y but I called to customer care and got the answer that "I don't have EMI Offer". I tried to call second time and the person ellabrated his answer and told that same answer. after couple of days again i call them and person told the same answer and explained me clearly that they are offering for one time from their end that i used already so i can get emi from merchant;s end. So i searched for EMI offer from merchant's end and I purchased laptop and paid in EMI for 12 months.

So speak with different customer care people...