thisisjagan
TF Buzz
I'm holding a Salary account with HDFC and a preferred customer for about 10 years and have a Times credit card for almost 10 years. However I don't any LTF credit card. My RM is of no use.
Even the Times card is not LTF. It's spend based.
I opened 0 balance account using my preferred account for Wife and mom.
I've been ghosting the relationship with my RM as she kept calling me only for ULIP, loans and other products.
They never offered any LTF credit card. My wife got Regalia LTF card but I didn't. I had to apply for add on card recently.
I got frustrated and sent an email to close my Wife's and mom's account and then I'll be closing mine.
I got a call from the preferred RM two days later and I explained the situation, I requested for Infinia or DC LTF. She said she would check and come back.
Now that she saw my account, salary, statement, she took the opportunity to sell a ULIP Term insurance.
I don't have the problem of her selling the products but everytime she comes with a hard deadline like the fund opens on 15th June, you have to apply before that etc.
She shares my mobile number with their ULIP team and they start torturing me.
Now has anyone faced this issue of RM seeing you as consumer to sell their products?
Is it a good idea to buy the products they suggest? For example, they suggested Tata Aia Param Raksha plan. Is it a good a plan? If it's good plan, why do they force the customers to take.
The marketing they do is so scary as it always comes with a deadline to force the customer to buy! This is so scary marketing strategy.
I once called them to get the process to get the CVV of my rupay credit card. They said they'll check and never came.
It feels like the preferred RM program by HDFC is just a way get access to good valued customers and allure them with products. But never solve any real problems. It is really frustrating to call the RM as every conversation leads to a ULIP product marketing. I am using only Phone banking.
And finally she offered Regalia gold LTF and she would procure the approval but she didn't call me after i declined the Term insurance.
I'm so frustrated that I don't want to continue with HDFC. Are there any good alternative to HDFC salary account with similar perks?
Even the Times card is not LTF. It's spend based.
I opened 0 balance account using my preferred account for Wife and mom.
I've been ghosting the relationship with my RM as she kept calling me only for ULIP, loans and other products.
They never offered any LTF credit card. My wife got Regalia LTF card but I didn't. I had to apply for add on card recently.
I got frustrated and sent an email to close my Wife's and mom's account and then I'll be closing mine.
I got a call from the preferred RM two days later and I explained the situation, I requested for Infinia or DC LTF. She said she would check and come back.
Now that she saw my account, salary, statement, she took the opportunity to sell a ULIP Term insurance.
I don't have the problem of her selling the products but everytime she comes with a hard deadline like the fund opens on 15th June, you have to apply before that etc.
She shares my mobile number with their ULIP team and they start torturing me.
Now has anyone faced this issue of RM seeing you as consumer to sell their products?
Is it a good idea to buy the products they suggest? For example, they suggested Tata Aia Param Raksha plan. Is it a good a plan? If it's good plan, why do they force the customers to take.
The marketing they do is so scary as it always comes with a deadline to force the customer to buy! This is so scary marketing strategy.
I once called them to get the process to get the CVV of my rupay credit card. They said they'll check and never came.
It feels like the preferred RM program by HDFC is just a way get access to good valued customers and allure them with products. But never solve any real problems. It is really frustrating to call the RM as every conversation leads to a ULIP product marketing. I am using only Phone banking.
And finally she offered Regalia gold LTF and she would procure the approval but she didn't call me after i declined the Term insurance.
I'm so frustrated that I don't want to continue with HDFC. Are there any good alternative to HDFC salary account with similar perks?
