HDFC Bank — Unjust closure of credit card due to 5 pending amount & no payment option provided

Address: Sector 73 noida

Dear Sir/Madam,

I am writing to raise a formal complaint regarding the unjust closure of my HDFC credit card (ending in 3794) due to a pending amount of ₹5 (Five Rupees Only).

Despite my consistent and timely EMI and credit card payments over the years, a small pending amount of ₹5 remained after EMI closure. I have attempted multiple times to clear this due amount, but your system does not accept payments below ₹10. Due to this system limitation, I was unable to clear the balance, despite my intention and effort.

I was not informed via call, SMS, or email that the card would be blocked or closed. I only discovered the issue four days later, when an online transaction failed and I contacted customer care — only to be informed that the card was closed due to the ₹5 dues.

This action feels harsh and unfair, especially given my strong credit history and intent to pay. I respectfully request the following:

Please provide a way to clear the ₹5 pending amount.

Please ensure that my CIBIL score is not impacted by this minor technical issue.

If any negative report has already been sent to the credit bureau, please take action to correct it.

I would appreciate your immediate attention to this issue and a confirmation once it has been resolved.

Cardholder Name: Vaibhav Rastogi
Mobile Number: [protected]
Email ID: vaibhavrastogi. [protected]@gmail.com
Credit Card Number: [protected] (last 4 digits only if sensitive)

Thank you for your assistance.

Warm regards,
Vaibhav Rastogi