| Address: Bangalore, Karnataka, 560066 |
Hello,
I have provided my wife's HDFC(CRN : xxxx9788 & Acc no :xx30185 ) savings account to Capgemini to receive salaries. On date of joining Representatives from HDFC informed me that account will be life time salaried account.
Now something goes wrong, Capgemini hr said bank is not accepting the payment and Bank says we never stopped accepting payments. I was confused.
To get salary I have added my other account as salaried account.
Now you are taking AMB charges from wife's account, Why so unfair to customer?
what is my mistake here?
attached is screen shot of AMB Charges of 1374Rs.
P.s : I have been using HDFC Bank services since July 2016 my CRN : xxxx0611, when I joined Capgemini. Past 1.5Yrs my wife is using HDFC Bank services. For all purchases in malls, online shopping in snapheal, flipkart, myntra, amazon I have been using HDFC credit card, debit card though I have Kotak Mahindra, SBI, Canara bank cards. Also I and my wife taken personal loan of 8lac each and without miss we are paying emi, which means we are paying almost 15% interest on loan. Also we use Payzapp for bills payment like mobile bills, Electricity bills, land line bills, broadband bills.
Kindly consider all these aspect to be your customer and provide this account as salaried account & reverse the AMB charges to continue our relationship with HDFC. Hope to hear positive response from you.
reg, avinash
HDFC Bank customer support has been notified about the posted complaint.
Which clearly reads as follows:
2. In credit card accounts, the amount spent is billed to the card users through a monthly statement with a definite due date for repayment. Banks give an option to the card users to pay either the full amount or a fraction of it, i.e., minimum amount due, on the due date and roll-over the balance amount to the subsequent months’ billing cycle.
3. It has come to our notice that there are divergent practices being followed by banks with regard to asset classification status of credit card accounts if minimum amount due is not paid on the specified due date. While some banks reckon the due date specified in the statement for payment of minimum amount due to determine the over-due status, some banks reckon the subsequent billing date to determine the over-due status of the minimum amount due. In order to bring in consistency and induce transparency, it is advised that a credit card account will be treated as non-performing asset if the minimum amount due, as mentioned in the statement, is not paid fully within 90 days from the next statement date. The gap between two statements should not be more than a month.
4. Banks should follow this uniform method of determining over-due status for credit card accounts while reporting to credit information companies and for the purpose of levying of penal charges, viz. late payment charges, etc., if any.
Why does HDFC Bank not conform to the rules laid down by the Reserve Bank of India .