Dear sir,

This is regarding my Credit Card #XXXX XXXX XXXX 1250

I was holding the Gold Credit Card. One of the executives called me and asked to upgrade the same to Platinum. Gold Card was having the cash back offer of 5% cash back on rail/air travel tickets when Rs.30K or above is spent in that particular month. So, I asked this question particularly to the executive who called me. She said, this cash back is available in Platinum card too. In addition to this, you will be having the some additional offers. So, I upgraded the same and spent Rs.37,379.75/- in the month of Feb'09 including the flight transactions. So, I am supposed to get Rs.343.85/-.

They haven't credited the cashback amount. When am asking to track the person who called me and explained the features of the Platinum Card, they are not revealing the name. The caller misled me and these people are cheating customers by giving the erroneous information. Had I been used some other bank credit card for 37,379.75/-, I would have got lucrative offers and the cash backs.

Requesting you to kindly look into this matter and help me to get my cash back. Am pasting the response from the Customer Service Officer.

Thanking You,
Ravi Parthasarathi
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Subj: RE:'HBL=007-462-210' Re: Re: RE:'HBL=006-986-008' Status

Dear Mr. Parthasarathi,

This is with reference to your e-mail regarding your HDFC Bank's credit card account.

On receipt of your e-mail, we made a detailed review and found that our executives have contacted you and explained regarding the features of Platinum card. We would like to reconfirm that the cash back facility is not available on Platinum card account.

Further, we observe from our records and confirm that the transaction mentioned in your earlier e-mail have been incurred using your Platinum plus card bearing number XXXX XXXX XXXX 1250. Hence the aforesaid transaction is not eligible for cash back offer.

We also understand that you have certain reservations regarding the finance charges billed to your card account. We take this opportunity to clarify that finance charges @ 3.15% per month accrue to your card account in case we are in receipt of partial payment or non receipt of any payment towards the outstanding dues on the card account.

Finance charges are charged on the following:
On the total amount from the statement date till the part payment date.
On the outstanding balance till the next statement date.
On fresh purchases done thereafter, till the next billing cycle.

For instance, the total outstanding as per your February'09 statement was Rs. 37,379.75 and we were in receipt of part payment of Rs. 37,035.90. In view of the same, finance charge of Rs. 1,055.01 has been levied in your March'09 statement.

Subsequently, we were in receipt of part payments towards the outstanding dues on your card account due to which further charges have been levied to your card account and we regret our inability to reverse the same. The charges are due and payable on your card account.

Incase you seek further assistance or clarification please feel free to contact our Customer Service Executives at any of our 24 hour Call Center telephone numbers mentioned in the below URL.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website "www.hdfcbank.com" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.

Assuring you of our best service at all times,

Regards,

Sathish Kumar.V
Customer Service Officer

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