LOUSIEST BANK EVER - HDFC - did about 20 CIBIL hits from 08/2023. I DID NOT APPLY AFTER 10/2023. Still, those jokers do the hit - as an EMI. No card ever reached me. 3 guys visited me in 2023. Since 12/2023, even CIBIL has started ignoring those HDFC hits and MY CIBIL DOESN'T MOVE FROM 794. Sent about 20+ emails to those mentally retarded guys. Duds. No logical replies or action.