The main problem is that the verification guy . Earlier HDFC sent verification guy at home . They were very polite and supportive even said If application is not approved he will get me the card through agent . But the guy came today he is associated with HDFC and IDFC . Came to my house for third time. One time for HDFC and two time for IDFC. Totally unsupportive and very rude behaviour . In front of me he called an woman for adress verification as soon as she said that the area is far he cut the call immediately without explaining anything .