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HDFC Credit Card LTF Issued Now denied

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Hi @TechnoFino /All
My Mother is a pensioner she got a email banner in bay stating "HDFC KA Ching XL Card is available LTF" if she meet one of the following criteria
1) Spend 1lkah in 90 days
2)Take add on card
3) Do balance transfer

My mother took add on card for me and even i took email confirmation from RM stating if it is LTF he aslo said YES

Now she has been charged fees 🙁 which i feel unfair
Not getting what to do being imperia customer am facing so much issues

Please find the screenshot attached.

1666962816467.png

1666962882320.png
 
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1. Ask RM if your card is showing as LTF or not.
2. Ask CS via call or email to reverse the fee, as you have proofs of LTF offer/application. And ask them to make it LTF if it’s not done in their system.
3. Ask RM to follow up on the same.

as per my experience this can be fixed only via CS call and email. But use RM to get info you need and to put pressure on CS.
 
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Subhash said:
1. Ask RM if your card is showing as LTF or not.
2. Ask CS via call or email to reverse the fee, as you have proofs of LTF offer/application. And ask them to make it LTF if it’s not done in their system.
3. Ask RM to follow up on the same.

as per my experience this can be fixed only via CS call and email. But use RM to get info you need and to put pressure on CS.
Click to expand...
You are right RM is kind of waste here 🙁 he just wasted 7 working days
 
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hmm, this is not good 🙁 Today only i accepted the pre-approved regalia card after getting confirmation from hdfc executive for LTF. Like you have done, i also got written email confirmation saying it is LTF. If HDFC wont honor such a things, than what we supposed to do, other than wasting time in escalating and contacting RBI in extreme case 🙁
 
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hariselio said:
hmm, this is not good 🙁 Today only i accepted the pre-approved regalia card after getting confirmation from hdfc executive for LTF. Like you have done, i also got written email confirmation saying it is LTF. If HDFC wont honor such a things, than what we supposed to do, other than wasting time in escalating and contacting RBI in extreme case 🙁
Click to expand...
Now am really afaraid to get anything for my mom 🙁
 
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Pavan said:
Hi @TechnoFino /All
My Mother is a pensioner she got a email banner in bay stating "HDFC KA Ching XL Card is available LTF" if she meet one of the following criteria
1) Spend 1lkah in 90 days
2)Take add on card
3) Do balance transfer

My mother took add on card for me and even i took email confirmation from RM stating if it is LTF he aslo said YES

Now she has been charged fees 🙁 which i feel unfair
Not getting what to do being imperia customer am facing so much issues

Please find the screenshot attached.

View attachment 6190

View attachment 6191
Click to expand...
After How many months was it charged?? 4th?
We also converted our cc to LTF but didn't take any confirmation through mail. Only spoke to cs on phone, already 3 months over for us after being issued
 
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Pavan said:
Thanks for the help all 🙂 issues resolved she is now downgraded to Melania LTF.
There are some lessons learnt one of the major (again and agian) most of the RM in HDFC are cluless of the process.
Click to expand...
They might not be clueless but act as one... They are cunning and if they see no benefit from you or see that you are aware of the traps they act dumb
 
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Pavan said:
Hi @TechnoFino /All
My Mother is a pensioner she got a email banner in bay stating "HDFC KA Ching XL Card is available LTF" if she meet one of the following criteria
1) Spend 1lkah in 90 days
2)Take add on card
3) Do balance transfer

My mother took add on card for me and even i took email confirmation from RM stating if it is LTF he aslo said YES

Now she has been charged fees 🙁 which i feel unfair
Not getting what to do being imperia customer am facing so much issues

Please find the screenshot attached.

View attachment 6190

View attachment 6191
Click to expand...
card issue date & month?
 
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late to the party but see this:
Thread '⚠️Misleading DCB LTF offer by HDFC Bank.' https://www.technofino.in/community/threads/⚠️misleading-dcb-ltf-offer-by-hdfc-bank.1851/

that little '*' at the end if the line containing ltf is the trap. if you ask hdfc about ltf, hdfc will say it is ltf because hdfc has cleverly manipulated the definition of 'ltf' so that it is 'lifetime free, as long as you spend x lakhs per year', which is absurd.

in your case, you could have just let the card expire without activating it for 30 days. banks have to close such cards according to new rules by RBI. and it is a loss for bank as it costs them to issue a card and let it go waste
hariselio said:
hmm, this is not good 🙁 Today only i accepted the pre-approved regalia card after getting confirmation from hdfc executive for LTF. Like you have done, i also got written email confirmation saying it is LTF. If HDFC wont honor such a things, than what we supposed to do, other than wasting time in escalating and contacting RBI in extreme case 🙁
Click to expand...
when i wrote to the bank for my ltf confirmation, i specifically asked if the card is ltf unconditionally, or is it free based on spends. i tried to be as specific as possible. just dont activate the card, or if you have already activated, close it ASAP if you are fed up. banks can't charge you if you close the card at the start of the year.
 
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athadfjp said:
late to the party but see this:
Thread '⚠️Misleading DCB LTF offer by HDFC Bank.' https://www.technofino.in/community/threads/⚠️misleading-dcb-ltf-offer-by-hdfc-bank.1851/

that little '*' at the end if the line containing ltf is the trap. if you ask hdfc about ltf, hdfc will say it is ltf because hdfc has cleverly manipulated the definition of 'ltf' so that it is 'lifetime free, as long as you spend x lakhs per year', which is absurd.

in your case, you could have just let the card expire without activating it for 30 days. banks have to close such cards according to new rules by RBI. and it is a loss for bank as it costs them to issue a card and let it go waste

when i wrote to the bank for my ltf confirmation, i specifically asked if the card is ltf unconditionally, or is it free based on spends. i tried to be as specific as possible. just dont activate the card, or if you have already activated, close it ASAP if you are fed up. banks can't charge you if you close the card at the start of the year.
Click to expand...
I took the confirmation before even opening the courier and this is the response

1667396595834.png
 
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