[Resolved]  HDFC Bank — credit card transaction that has destroyed my credit score

Address:

Hyderabad, Andhra Pradesh, 500034

Tl: dr - hdfc put a charge on my credit card which went unpaid as i was in the us for 3 years and has shot my credit score in india

I had a credit card with hdfc since 2012 with 0 annual fees as a corporate perk. I had used the card sparingly till 2014 and always made payments well before the due dates.

In sep 2014 i moved to the us and stopped using my indian cards. The hdfc credit card has not been used since then nor any pending balance was on that card.

I returned to india in 2017. At my new job i was applying for a credit card with another bank and was told that my credit card application was rejected as my credit score is very low. I was shocked as i had just paid off an education loan of rs xx lacs well before the time period.

After checking my cibil report i saw that hdfc was showing a balance of rs 1200/- on my card and the amount had been written off. I was shocked at this. I contacted multiple customer care executives and was told that they can neither clarify this charge nor tell me where and when it was accrued.

To add insult to injury when i contacted the hdfc credit card claims department in my hometown i was told that i will have to pay about rs. 10000 and they will rectify the status as settled in the cibil report. Not a "no dues" certificate just settled.

Its been over a year since i started asking them to provide me details so i can start improving my score and settle this matter. I still haven't got a clear answer from them.

This simple oversight has led to a complete collapse of my finances as i can not apply for loans, credit cards or any other credit-based elements. I would highly recommend people to steer clear of this bank.