HDFC Credit Card (RBI Ban Lifted)

Regarding the fee issue - This happens all the time and you cannot do anything now but pay the pending fees. From seeing similar posts all over the internet, they don't budge how much ever you complain and if you don't pay, your cibil score takes a tumble. Better to settle it and close.

I raised a complaint but they are adamant that I was detailed and duly signed the application which obviously I never did.
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How did you submit the application? Was there an OTP involved?
 
Err, like feku?
Anyways did you do your due diligence?
People gets conned because they are being lazy and fall for every free thing. Did you try to complain to HDFC for being conned?
You cannot cancel credit card from netbanking yet you say you cancelled it and says HDFC is being unfair that generated another card.
If you cannot spot the difference between cancellation and hotlisting, I would support the sales guy who sold the upgrade to you. Because it is your responsibility to know everything about what is being sold to you.
 
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Notorious said:
Selling something by telling lies or half truth is not scam in your book ?
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Nope. At best you can call it unethical business practice. Scam means they promised you a card, you paid(or not) but never received the card. Example - you order pizza, you pay for it, but never received the delivery.

You got the card right? and remember, it's a credit or a loan, Bank stands losing a lot more than you.
 
Again, if the fee has just been charged and you have not used it, I think you should be able to get the fees reversed. Call customer care and ask them to cancel the card and revert the fees.
 
^ +1 to what @mhsabir said. Did that for Axis and ICICI, Axis simply converted to a LTF card (not a premium card) and reversed the annual fee. ICICI didn't budge (no waiver, I was hoping that they'd waive ;)), cancelled the card and refunded the annual fee.
 
achaudhary997 said:
You should have asked for a written confirmation for the same, even I was given a "lifetime" free regelia card, while the guy from the bank who called me told its lifetime free and I don't need to fulfull any requirements for the same, I still mailed them for a written confirmation of the same just to be on the safer side.
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Also, lol, got a confirmation today that even my card is not a lifetime "free" card. Just registered an electricity bill to smart pay, according to the HDFC customer care guy, and within 90 days it should be changed to lifetime free.
 
I got a call few days back from HDFC, they offered me lifetime free CC, I said I don't need it now and will contact you in case I require it.
 
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