Do customers still need to mail CC-related documents directly to Chennai themselves?! The couple of times I had to do that, I just went to the nearest non-home branch and submitted the documents to them. They took care of them, and the job was not unduly delayed either! I thought that was good service from HDFC, -- to a regular account holder too (back then)! I actually never had trouble getting satisfactory service at HDFC non-home branches in far-away towns.