[Resolved] HDFC Bank — finance & over limit charges and refusing to give emi option

[Resolved] HDFC Bank — finance & over limit charges and refusing to give emi option

P Prakash Paiya from Mumbai, Maharashtra

Dear Team, The overlimit Rs.500 has been deducted on Oct 17th and Finance charge Rs.589.95 has been deducted on Nov 16th. Then Rs.500 overlimit fee leived on Dec 17th. Totally Rs.1589 charged on card ending with 4375. Please reverse the charges of Rs.1589 ASAP to my credit card. I have been asking EMI payment to whole amount but they are not providing anything to my account, simply taking the amount. This is not good support from thier end. I need Reversal of requested amount, I will preclose full amount within Jan 13th. So requesting you arrange for refund the full amount please. Again Jan 8th Rs.800 charged for overlimit fee. NOTE: .Totally Rs. 2389 need to be reversed and after that i will do preclose full amount. Otherwise Im not able to pay fine amount. The support is needed from your end. They agreed to refund it, I have mail confirmation too. But still they ignoring my mail. CARD NO : [protected] I hope it will be solved from your end. +1 photos Was this information helpful? No (0) Yes (0)
Mar 2, 2020 Complaint marked as Resolved HDFC Bank customer support has been notified about the posted complaint. Verified Support Jan 31, 2020 HDFC Bank Customer Care's response Dear Customer, Basis your post, we have taken a detailed review of your card account and we again wish to inform you that in the event of non receipt of payment, delayed payment or payment less than the total minimum amount due the applicable late payment charges/finance charges would be levied to the card account. You will appreciate that the bank charges levied is legitimate and in accordance with the Schedule of Charges shared along with the Most Important Terms & Conditions as well as on the reverse of the credit card statement. We observe from our records that your card usage has exceeded the credit limit assigned to your card account and hence overlimit fee has been levied. To explain it further, when the total outstanding on your card account (including the balance principle loan amount if any) exceeds your assigned credit limit, an overlimit fee of 2.5% of the overlimit amount subject to a minimum of Rs. 500.00 plus GST as applicable would get levied. Please visit https://cutt.ly/PrY9VRg for further clarifications. -Nadia HDFC Bank Customer Assistance
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