Dear Sir,

My HDFC Credit card number is 4346781011287349


I would like to inform you that total credit limit given to my credit card was Rs 50000. So, logically my credit card bill (for CC No 4346781011287349 ) should not be more than Rs 50000 ( including all the expenses, interest and credit card charges in any circumstances ) . But now the total outstanding showing is Rs 71000 approx.


I have never requested HDFC bank to increase my credit limit then how come the HDFC bank has increased my credit limit from Rs 50000 to Rs 71000 without informing me in any kind of communication (written or verbal) ???


HDFC Bank hould have blocked and freezed my card by the time my credit card had crossed the total credit limit i.e. Rs 50000 (including all the charges like purchases, tax, interest, EMI etc )


So against the last bill generated on 18th January 2012 and yet to be generated bills for the cc no 4346781011287349 I will pay the amount witin maximum credit limit assigned on my credit card ( ie. within Rs 50000 ). I will not pay any amout above my credit limit Because its HDFC Banks mistake who has increased the credit limit without informing me in prior.

What action should be taken against the HDFC Bank for increasing the credit limit without informing me in prior and charging Rs 21000 more than the credit limit??


Kindly arrange a call from Senior HDFC representative who is handelling the full and final settlement ( No agents please )



Regards,

Md Nooman
7387707778

Originally Posted by nooman

Dear Sir,

My HDFC Credit card number is 4346781011287349


I would like to inform you that total credit limit given to my credit card was Rs 50000. So, logically my credit card bill (for CC No 4346781011287349 ) should not be more than Rs 50000 ( including all the expenses, interest and credit card charges in any circumstances ) . But now the total outstanding showing is Rs 71000 approx.


I have never requested HDFC bank to increase my credit limit then how come the HDFC bank has increased my credit limit from Rs 50000 to Rs 71000 without informing me in any kind of communication (written or verbal) ???


HDFC Bank hould have blocked and freezed my card by the time my credit card had crossed the total credit limit i.e. Rs 50000 (including all the charges like purchases, tax, interest, EMI etc )


So against the last bill generated on 18th January 2012 and yet to be generated bills for the cc no 4346781011287349 I will pay the amount witin maximum credit limit assigned on my credit card ( ie. within Rs 50000 ). I will not pay any amout above my credit limit Because its HDFC Banks mistake who has increased the credit limit without informing me in prior.

What action should be taken against the HDFC Bank for increasing the credit limit without informing me in prior and charging Rs 21000 more than the credit limit??


Kindly arrange a call from Senior HDFC representative who is handelling the full and final settlement ( No agents please )



Regards,

Md Nooman
7387707778

Dear Customer,

We understand your concerns and apologize for the inconvenience caused. We have made a note of your concerns and will pass it on to the concerned teams. In case you have any queries regarding his issue in future, please write to talktous@hdfcbank.com with the reference number TTU000416101022012.

Regards, Customer Assistance, HDFC Bank

I had taken an HDFC credit card (5289 4550 0321 8598). At that time i was told my credit limit is 75,000. I started using the card and after a few days i was informed that my credit limit has gone upto 80,000. After that i suddenly got a call again stating my credit limit has gone upto 85,000. After around 15 days a girl called up and said the credit limit has further been risen to 95,000.

I was beginning to wonder about it all and was making my payments till then on time which would exceed the minimum amount due by little. I did that so that i could avoid the interest from accumulating. Then one day i got a call when my card was spent upto 95000 asking if i had used the card in mutha electronics coz it was around 95000 then. I said yes. The person on the other end told me that 95000 is far exceeding my card limit of 80,000 and that i would have to pay a huge interest.
I got a shock because i was told they had increased my limit to 95000. When the invoice came i paid a huge amount again which exceeded the minimum amount due by little. When i called the customer service person to find out if they received the payment they said they had received and that the amount would come down considerably from the next month. To my surprise the next month the amount was again huge.

I called the customer service to find out what was happening. They gave some interest calculation which sounded more like they are making me pay for an increased credit limit which they had mistakenly put into my account. I asked them if they could do something about the interest rate. They said they cannot. I asked if they have an EMI option. They said they cannot provide me with the option of EMI.

I told them that EMI would work out with me because i had some other huge expenses coming up as we recently bought a new house. They did not listen.

I could not make the payments next two months, they were just too huge.

Now HDFC bank has employed their goondas to bully me. After two abusive calls i changed my number. Then they managed to get hold of my my previous house owner's phone number and have started calling him.

I would like to give a police complaint against these people citing harassment and also Sir i would like to take legal action. Please advise me on how to go ahead with it.

Regards,
Anuja