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    The bank has reviewed the customer's credit card account and complaints in response to earlier correspondence. They reiterate that promotional offers are time-bound and based on various parameters. While regretting their inability to offer an EMI facility currently, they clarify finance charge policies if minimum payments are late, partial, or not received. The bank states this response is final and further communication would not receive a response. They assure best services and provide contact details for additional assistance or clarifications.

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    The bank has reviewed the customer's credit card account and complaints in response to earlier correspondence. They reiterate that promotional offers are time-bound and based on various parameters. While regretting their inability to offer an EMI facility currently, they clarify finance charge policies if minimum payments are late, partial, or not received. The bank states this response is final and further communication would not receive a response. They assure best services and provide contact details for additional assistance or clarifications.

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    The bank has reviewed the customer's credit card account and complaints in response to earlier correspondence. They reiterate that promotional offers are time-bound and based on various parameters. While regretting their inability to offer an EMI facility currently, they clarify finance charge policies if minimum payments are late, partial, or not received. The bank states this response is final and further communication would not receive a response. They assure best services and provide contact details for additional assistance or clarifications.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    76 views2 pages

    PDF

    Uploaded by

    dhandapani seeman
    The bank has reviewed the customer's credit card account and complaints in response to earlier correspondence. They reiterate that promotional offers are time-bound and based on various parameters. While regretting their inability to offer an EMI facility currently, they clarify finance charge policies if minimum payments are late, partial, or not received. The bank states this response is final and further communication would not receive a response. They assure best services and provide contact details for additional assistance or clarifications.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
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    of 2

    From: Senior Management

    (PriorityRedressal.CreditCards@hd
    fcbank.com)

    Date: Wednesday, January 08, 2020 04:26 PM

    To: dhandapani seeman ([email protected])

    Subject: RE:'HBL=062-975-865' Re: Complaint against HDFC Bank - Issue


    escalated to Prime Minister - no more live with this world

    Dear Mr. Dhandapani,


    This is in continuation to our earlier e-mail dated January 07, 2020 regarding your HDFC Bank credit
    card account.
    We wish to inform you that bank has been reviewing and responding to your queries with due diligence.
    We are fully sensitised to your concerns expressed and taking complete note of the same, we have
    once again taken a detailed review of your card account. We wish to reiterate that the outcome of our
    review is consistent with our earlier observation / decision on your queries.
    As communicated in our earlier responss, we reiterate that the Bank takes periodical review on the
    special offers / promotions that are offered to our card members. Such offers are time bound and are
    based on various parameters. The details of the same are communicated to the customers through e-
    mailers and SMS alerts. Hence, we regret our inability to offer EMI facility on your card account at this
    point of time. We seek your understanding on same.
    We take this opportunity to clarify that in the event of non receipt of payment or delayed payment or
    partial payment (which is less than the minimum amount due), late payment charges/finance charges
    will be levied to the card account, as applicable.
    Also, we wish to clarify that finance charges are levied at " 3.49 %" per month on receipt of payments
    less than the total amount due or on non receipt of payment towards the outstanding as per your
    statement by the payment due date. Finance charges are charged on the following transactions:
    • On all retail purchase transactions in the previous statement from the respective transaction date till
    the statement date.
    • On the total outstanding amount from the statement date till the part payment date.
    • On the outstanding balance till the next statement date.
    • On the fresh purchases done thereafter, till the next billing cycle.
    The above details are also updated in the HDFC Bank Website " www.hdfcbank.com " , please refer
    Fees and Charges section in the website or below Schedule of charges MITC link for details
    http://www.hdfcbank.com/assets/pdf/cc_common_MITC.pdf
    Having said the same, we regret our inability to accede to your request for reversal of Bank charges on
    your card account.
    We wish to inform you that our Bank’s stand has been communicated distinctly and this response may
    be treated as final. We also wish to inform you that any further communication on this query from
    yourself would not elicit a response from us. In light of this we request you to accept the decision in
    good faith.
    Please feel free to write to us at: [email protected] for further assistance /
    clarifications that you may require in this regard.
    Kindly note the query reference number for this correspondence is 11119548
    Assuring you of our best services at all times.

    Corporate Identity No.: L65920MH1994PLC080618


    Regards,
    Pramod Nair
    Manager - Correspondence (Chairman & MD Cell)

    Corporate Identity No.: L65920MH1994PLC080618

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