[Resolved] HDFC Bank — credit card financial charges

User1512

from Bengaluru, Karnataka

Address:

560100

I am using hdfc credit card and i paid entire due amount on grace period of 3 (Last day) days. My due date is 23-oct-2017 and i paid amount on 26-oct-2017. Bank has charged finance charge as rs.5240.83 and requesting bank to reverse finance charge. As per rbi circular july 16, 2015 and customer has 3 day’s time after the due date to repay the due amount. I paid my bill for last one year like this, suddenly last month they charged finance charges. I called to customer care on 5-nov-2017, explained the same and it was forward to relationship manager mr. Suraj kanojia and i forward my credit card statement screen shot and he forwarded my request to my account relationship manager mr. Ravi salimath. From his side he reversed only rs.1900, and i requested to bank reverse balance amount of my credit card finance charge rs.3340.83. My due date is 23-nov-2107, and looking forward your action on this.
Kindly do the needful to reverse finance charge on my credit card.
Thanks,
Mohankumar n

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Dec 16, 2017

Complaint marked as Resolved

HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Nov 15, 2017

HDFC Bank Customer Care's response Dear Mr. Narayanan,

We are fully sensitized to your comments expressed and we confirm that, we had already responded to your e-mail dated November 14 2017. The reference number for this interaction is [protected].

-Manoj
HDFC Bank Customer Assistance

Nov 15, 2017

Updated by User1512 Below email respond received from HDFC, but i didn't get any solution.
" Dear Mr. Narayanan,

This is with reference to your e-mail regarding Charges your HDFC Bank International credit card account.

We regret to inform that we are currently unable to accede to your request to reverse the charges billed to your card. We kindly request you to effect payment towards the total amount due, at the earliest to regularize your card account and to avoid preclude of further penalty charges.
Kindly note the query reference number for this e-mail: [protected]. "

Stating that to pay the finance charges. Though i paid my dues, Why should i pay this finance charges. Bank has reversed partial amount, why can't reverse that balance amount. Whom should i contact on this? Customer care, relationship managers no one should not take any action on this. Please give me an explanation, why can't bank has not reverse this charge ?

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Comments

sampath bapanapalli

from Delhi, Delhi

hai sir,

this is Sampath Kumar ( HDFC CREDIT CARD COUSTMER)
I paid my due before generation of the statements i.e about 7 days before but I received statements with finance charges i.e 1653.07 ( opening balance 62, 647.87, payments credited 63, 200 ).

costumer no. was not at all connecting all IVR NO. only for bank purpose not for costumer purpose.

please let me know the reason, other wise I will canel my card