HDFC started downgrading accounts?

[devsfinance]

Hello Everyone,

I had opened a salary account after taking advice from forum. So got a 0 balance account salary account, I asked them to upgrade account to get better CC offers.

They had upgraded my account to Imperia. Recently I received mails for maintaining balance in my account.




Seems like they have also started actively downgrading accounts.

Any suggestions how can stop the downgrade? Or is it worth trying for Imperia status?

 

[John Since]

I have the platinum CC already I believe the change could be in account charges like IMPS charges etc.

With UPI in driving mode, how often are you using IMPS?
Mine is hardly 5 transactions in an year.

 

[devsfinance]

With UPI in driving mode, how often are you using IMPS?
Mine is hardly 5 transactions in an year.

I do use IMPS when I have to transfer more than a lac and I believe for some 3-4 transactions per quarter till now.

 

[devsfinance]

Now I got this message, Not sure what’s happening.

Welcome to HDFC Bank's Imperia Premium Banking Programme!
This month, you will receive a series of 8 emails on your registered email ID detailing the various benefits of your program!
Look out for them in your Inbox.

I have an active dispute going on with branch not sure if that has something to do with it.

 

[Ankit9792]

I recently got the notification of downgrading from preferred. I mailed the RM and he showed me that my AQB in 2nd quarter of 2023-24 was below 2 lakhs. He kept replying over mail to maintain 2 lakhs but I had a preferred account cause of salary. Have changed RM 3 times but feels like all RMs are stupid.

how to change rm

 

[shashank08]

Now I got this message, Not sure what’s happening.



I have an active dispute going on with branch not sure if that has something to do with it.

Same thing happened with me..
First i received message of preferred program and then after few days message for imperia.
I am already an imperia customer.

 

[peregrine0falcon]

how to change rm

I dropped a mail to preferredbanking@hdfcbank.com

 

[Shin-Chan]

For imperia obusly they will

Hdfc spare you for 2-3 quater then downgrade message start ..but thats ok u can upgrade again

If u maintain there is no downgrade ...
Much much better than axis

Getting Spared for last 36 Quarters although getting no services worth mentioning.

 

[Vasuki]

Getting Spared for last 36 Quarters although getting no services worth mentioning.

Aapka toh jalwa hai

 

[Anupama_Jha]

Aapka toh jalwa hai

So jaiye Doc sahab

 

[its_karan]

36 Quarters

Waah bhai Waah

 

[Vasuki]

So jaiye Doc sahab

Jaisa aap boley janab

 

[Shin-Chan]

Waah bhai Waah

All under your guidance Karan Ji

 

[codenerd]

True, that’s why we need to confuse the system by maintaining at least 60 to 70 % of MAB at the end of a quarter for about a week or two, to avoid the downgrade

Sounds interesting.. Can you explain this logic it calculation behind this strategy. Will use it with Indusind pioneer

 

[Vasuki]

Sounds interesting.. Can you explain this logic it calculation behind this strategy. Will use it with Indusind pioneer

For pioneer
( Your rm will help immensely)

 

[SSV]

Sounds interesting.. Can you explain this logic it calculation behind this strategy. Will use it with Indusind pioneer

For pioneer
( Your rm will help immensely)

an easy fix mentioned by @Vasuki

 

[Avatar Aang]

I guess HDFC has downgraded my account from Imperia to Standard. My AQB must have been 20-25K.
Doesn't matter much as I have salary Account

 

[thanix]

I guess HDFC has downgraded my account from Imperia to Standard. My AQB must have been 20-25K.
Doesn't matter much as I have salary Account

When did it happen?

 

[Avatar Aang]

When did it happen?

Today. When I login to mobile banking it shows account variant as standard.

 

[SSV]

Today. When I login to mobile banking it shows account variant as standard.

Sometimes it is a temporary technical glitch.
wait for sometime

 

[imdjay]

Today. When I login to mobile banking it shows account variant as standard.

HDFC is upgrading their core system.
Wait for it to get completed. Everyone is seeing the same standard tag.