HDFC Bank — Amount deducted

Address:Jamnagar, Gujarat, 361345

Amit rameshbhai parmar and my account no is [protected], mithapur branch, gujarat. On 30th june 2017 hdfc bank had deducted rs 862 for credit card annual charges. But till date i am not activated my credit card and i haven't my password or not any usage. So without prior information and without usage how can they take the action. I want my money return in my hdfc bank account and not require your credit card. Please take back and refund my amount asap.

I
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Hdfc bank is very delay in making RTGS.
It took 3-5 hours for making transactions. So many times hdfc make transactions at evening even i provide cheque at morning due to this i have to facr problem as my supplier do not despatch my goods as they recieved amount at evening and they are able to cnfrm that.

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