HDFC scammed me

[Dr-green69]

Hi everyone

On 11 mar i applied for HDFC regallia credit card on c2c with 420k limit and bank agent told me ill get around 300k limit. On 17 i received an email that my application was approved and i was shocked after seeing that i got business Moneyback credit card with limit of just 23k so i called the agent and she told me wait till the card is delivered and today i received this mail saying that according to my ELIGIBILITY they change my card varient and gave me business Moneyback. Now i need advice what to do? Pls help me guys

 

[Chaitanya-a]

Reply them that you're filing complaint against them to RBI Ombudsman that you've been alloted different card without your consent. Wait for the reply and if their attitude is of 'I don't care', file a complaint.

 

[Walter White]

Hi everyone

On 11 mar i applied for HDFC regallia credit card on c2c with 420k limit and bank agent told me ill get around 300k limit. On 17 i received an email that my application was approved and i was shocked after seeing that i got business Moneyback credit card with limit of just 23k so i called the agent and she told me wait till the card is delivered and today i received this mail saying that according to my ELIGIBILITY they change my card varient and gave me business Moneyback. Now i need advice what to do? Pls help me guys

File a complaint with RBI. Anyway, had it not been for RBI Ombudsman, these banks would have continued to take us for granted.

 

[Nemesis]

If you have proof... Go to RBI

Don't use the card it will automatically gets disabled but your cibil was hit because of the check.

 

[Chaitanya-a]

If you have proof... Go to RBI

Don't use the card it will automatically gets disabled but your cibil was hit because of the check.

Even bank has written in the email that they've replaced his card with Moneyback, so that can be the proof in itself.

 

[Nemesis]

But there might be fine print...
Previously like idfc they show some card but give other... Their term mentioned you are agreeing to receive other card based on their criteria

 

[kochiro]

They should make it mandatory to send consent sms just like axis with card name and fees. If they wanna decide card according to criteria then do it beforehand instead of suprising with horrible card.

 

[Chaitanya-a]

They should make it mandatory to send consent sms just like axis with card name and fees. If they wanna decide card according to criteria then do it beforehand instead of suprising with horrible card.

Exactly. Why to act like dadaji who'll decide on behalf of us.

 

[pratyushpanda]

For my 5 lack amazon pay icici they gave 53k millenia 🥲😐

 

[Dr-green69]

For my 5 lack amazon pay icici they gave 53k millenia 🥲😐

U at least got millenia i got garbage

 

[akshayhs]

When I see threads like these, I just think to myself about how grateful I should be because without much efforts, I managed to get all major cards I needed with the lack of two or three which I plan to finish by the end of the year. And, I was also the one being angry and frustrated when enquiries got wasted for one reason or the otherb last year.

 

[prc1990]

Hi everyone

On 11 mar i applied for HDFC regallia credit card on c2c with 420k limit and bank agent told me ill get around 300k limit. On 17 i received an email that my application was approved and i was shocked after seeing that i got business Moneyback credit card with limit of just 23k so i called the agent and she told me wait till the card is delivered and today i received this mail saying that according to my ELIGIBILITY they change my card varient and gave me business Moneyback. Now i need advice what to do? Pls help me guys

Your scenario is a non compliance of Chapter II, Section 6, point IV (which talks about issuing unsolicited card w/o customer consent) of RBI Master Direction. Snippet attached.

Now you know what to do. Good luck. You're eligible for compensation as well.

 

[RewardsAlert]

When I see threads like these, I just think to myself about how grateful I should be because without much efforts, I managed to get all major cards I needed with the lack of two or three which I plan to finish by the end of the year. And, I was also the one being angry and frustrated when enquiries got wasted for one reason or the otherb last year.

You're right, even I feel grateful to have started CC journey early on in life, and now I realise that what I would have missed if I kept on using Debit cards like my friends and did not build my CIBIL history.
I also felt glad when I joined this community and got to know the power of Magnus.
That time was having LTF Axis Neo with 5L + limit,
The day I finalised my decision for Magnus, immediately called Cust care and card generated instantly.
That day I felt so thankful to my past deeds in CC game.
On the other hand, one of my friend with similar income is struggling to get hold of Magnus because of no Credit history and almost new CIBIL profile. No option of C2C left in his case.
The power to negotiate things beforehand becomes 10x if you're an old/high value customer for the bank, which I realised in my journey.
On a positive note: I would like to thank each and everyone in this lovely community who have contributed their experiences and have added value to our Credit journey.
It is the experiences/knowledge which matter.
It pays to have it. @Wealth is my birth right! knows in depth.

 

[Dr-green69]

Your scenario is a non compliance of Chapter II, Section 6, point IV (which talks about issuing unsolicited card w/o customer consent) of RBI Master Direction. Snippet attached.

Now you know what to do. Good luck. You're eligible for compensation as well.

Bro should i directly go to RBI Ombudsman or should i first mail hdfc and try to negotiate?? I did wrote an email to nordal officer

 

[prc1990]

Bro should i directly go to RBI Ombudsman or should i first mail hdfc and try to negotiate?? I did wrote an email to nordal officer

No don't go to RO directly. You go back to bank by referencing this clause I mentioned. If they are not ready to listen, then 😉.

 

[Dragon_slayer]

BOB does this all the time, apply for one card, they send another and give same response

 

[Ram1]

Let me tell u my experience and decide
I am an imperia customer with 20L NRV
BM RM tried a lot for infinia, BBH not agreed, idk they said so...
I have mailed to every email id, even md. No one cared.

Then local Sales manager called me and assured me DCB with minimum 5lakhs limit on c2c as i have axis 6L card.
I asked 2 3 times, he said surely i get dcb only not any other cards.
He personally handled my application, application submission, verification call application number sms all done done in single day
I felt wow.

Verification call guy also said i will surely get dcb only, no chance of other variant.
Next day i got in principle approval message, I was sure its going to be 99% approved.
By evening i got decline message. I was shocked and called that sm, he said he will mail and ask reason.

He did and got reply as back end team don't want to give me dcb as they can only approve 1.3L for me, so they can give moneyback or millinia if i agree.
I said NO.

Filed a complaint to priority redressal, md,
Even attached call recordings of sales maneger, verification call,
no body cared, got reply as that already mentioned in application - any time variant can be changed and u signed on it.
I fought for 2 weeks. Then filed a complaint on RBI ombudsman, next day my complaint was closed as it came under non compliance.
End of the story, having imperia and 20L nrv and 6L axis card can get above 1.3L limit.
That has been the service of HDFC these days
They dont even give a damn towards us.
Hope u understand @Dr-green69

 

[thunderbolt]

Let me tell u my experience and decide
I am an imperia customer with 20L NRV
BM RM tried a lot for infinia, BBH not agreed, idk they said so...
I have mailed to every email id, even md. No one cared.

Then local Sales manager called me and assured me DCB with minimum 5lakhs limit on c2c as i have axis 6L card.
I asked 2 3 times, he said surely i get dcb only not any other cards.
He personally handled my application, application submission, verification call application number sms all done done in single day
I felt wow.

Verification call guy also said i will surely get dcb only, no chance of other variant.
Next day i got in principle approval message, I was sure its going to be 99% approved.
By evening i got decline message. I was shocked and called that sm, he said he will mail and ask reason.

He did and got reply as back end team don't want to give me dcb as they can only approve 1.3L for me, so they can give moneyback or millinia if i agree.
I said NO.

Filed a complaint to priority redressal, md,
Even attached call recordings of sales maneger, verification call,
no body cared, got reply as that already mentioned in application - any time variant can be changed and u signed on it.
I fought for 2 weeks. Then filed a complaint on RBI ombudsman, next day my complaint was closed as it came under non compliance.
End of the story, having imperia and 20L nrv and 6L axis card can get above 1.3L limit.
That has been the service of HDFC these days
They dont even give a damn towards us.
Hope u understand @Dr-green69

What was your ITR?

 

[Deleted member 5552]

Bro should i directly go to RBI Ombudsman or should i first mail hdfc and try to negotiate?? I did wrote an email to nordal officer

RBI will ask proof that you contacted Bank or not. As far as I know you can raise a complaint after 30 days of contacting respective bank. So keep a screenshot of your first complaint to bank. If problem not solved, go to RBI

 

[Wealth is my birth right!]

You're right, even I feel grateful to have started CC journey early on in life, and now I realise that what I would have missed if I kept on using Debit cards like my friends and did not build my CIBIL history.
I also felt glad when I joined this community and got to know the power of Magnus.
That time was having LTF Axis Neo with 5L + limit,
The day I finalised my decision for Magnus, immediately called Cust care and card generated instantly.
That day I felt so thankful to my past deeds in CC game.
On the other hand, one of my friend with similar income is struggling to get hold of Magnus because of no Credit history and almost new CIBIL profile. No option of C2C left in his case.
The power to negotiate things beforehand becomes 10x if you're an old/high value customer for the bank, which I realised in my journey.
On a positive note: I would like to thank each and everyone in this lovely community who have contributed their experiences and have added value to our Credit journey.
It is the experiences/knowledge which matter.
It pays to have it. @Wealth is my birth right! knows in depth.

Thanks for the accolades🙂
Together we learn and earn👍🙌