Is HDFC worst bank in Customer service?

[amitr29]

Hi,

I am a Axis bank account and Credit card holder for last 12 years. Their service is average but overall not bad. My experience with HDFC in last one month.

1) Got a message to apply for card and clicked on it. Resulted in 21 Cibil hits. Writen to PNO and still fighting

2) Applied for a Buisness Regalia and easily qualify for it. C2C basis Citi card with 8.20 lacs limit and Income more than 24 lacs. They sent me Moneyback card with limit of 1.28 lacs. Written to PNO and still fighting

3) Applied for online savings account. They call it Instant account. Applied last week Friday and did Vkyc by 11:00 am. Got account number next day with cust Id. As on today, account still not active and it says please upload KYC. 8 days for a bloody instant Savings account. Written to PNO and still fighting

There is something seriously wrong with HDFC Bank. They really need to pull up their socks. It so frustrating to even start a relationship with them. Shocked!!

 

[amitr29]

Actually magnus and reserve have been distributed by axis like lollipops. So was curious if they are really exclusive

As I said earlier, your opinion. There are many many, who struggle for these cards

59k annual fees is good enough to make it exclusive

 

[Desu Sarath]

Some people here in the community say's SC is the best of the lot.

SC is the wortest.

 

[devarshi84]

HDFC has managed to literally hit the bottom on the list.

HDFCs humiliating even those holding lacs in current/savings account for a decade for Infinia/ Diners has become a common story on the forums.

 

[Vasuki]

Got a message to apply for card and clicked on it. Resulted in 21 Cibil hits. Writen to PNO and still fighting

@techt can we name this fraud of the century

 

[HumorSimpson]

@techt can we name this fraud of the century

Agent Sai Srinivasa Athreya @S S V

 

[SSV]

@techt can we name this fraud of the century

Agent Sai Srinivasa Athreya @S S V

Probably the software developer forgot to break the CIBIL enquiry loop until the counter clicks 21 times...!!

 

[HumorSimpson]

Probably the software developer forgot to break the CIBIL enquiry loop until the counter clicks 21 times...!!

How many bugs we have to see like these ?

Last time SBI has made CL 10%. There the developer might have messed

limit = (0.1*limit) instead of limit += (0.1*limit)

 

[HumorSimpson]

Probably the software developer forgot to break the CIBIL enquiry loop until the counter clicks 21 times...!!

Seems this developer has taken a step ahead by copying the random seed 42 rand(42) and might have incremented as hit+=2 .

 

[Vasuki]

Seems this developer has taken a step ahead by copying the random seed 42 rand(42) and might have incremented as hit+=2 .

Ya ya
I understood everything

 

[HumorSimpson]

Ya ya
I understood everything

Feeling left out ?
OK let me explain. In programming, we have to use some fixed number as seed for generating random numbers.
Ritualistic way of doing is to use 42. As 42 is considered as answer for everything from 'Hitchhikers guide to galaxy'.
Here the programmer might have used half of it.

 

[sidp]

1) Got a message to apply for card and clicked on it. Resulted in 21 Cibil hits. Writen to PNO and still fighting

2) Applied for a Buisness Regalia. They sent me Moneyback card with limit of 1.28 lacs.

So in the you ended up with how many hits and which cc?
Were you able to remove it or is the struggle still ongoing?

 

[amitr29]

So in the you ended up with how many hits and which cc?
Were you able to remove it or is the struggle still ongoing?

7 removed, for others there is a long mail exchange going on. Finally, yesterday they agreed to remove all except 3

 

[samm255]

Keep communicating through email and you would able to get it supressed unnecessary enquiries. I managed to removed 9 enquiries from my CIBIL.

 

[sidp]

7 removed, for others there is a long mail exchange going on. Finally, yesterday they agreed to remove all except 3

I think hdfc knowingly do these things so that they stay ahead in business.
1. They dont decline application. They give lower variant card.
2. They used to report only max used cl not total cl. So that utilization will stay high and other issuers would be wary.
3. Do so many hard enquiries that no other issuer will give you card/loan in next 6 months at least.

 

[amitr29]

I think hdfc knowingly do these things so that they stay ahead in business.
1. They dont decline application. They give lower variant card.
2. They used to report only max used cl not total cl. So that utilization will stay high and other issuers would be wary.
3. Do so many hard enquiries that no other issuer will give you card/loan in next 6 months at least.

Totally agree

 

[Deepak_Shetty]

I think hdfc knowingly do these things so that they stay ahead in business.
1. They dont decline application. They give lower variant card.
2. They used to report only max used cl not total cl. So that utilization will stay high and other issuers would be wary.
3. Do so many hard enquiries that no other issuer will give you card/loan in next 6 months at least.

I think point number 2 is resolved few months back. Have you checked recently?

 

[HumorSimpson]

I think hdfc knowingly do these things so that they stay ahead in business.
1. They dont decline application. They give lower variant card.
2. They used to report only max used cl not total cl. So that utilization will stay high and other issuers would be wary.
3. Do so many hard enquiries that no other issuer will give you card/loan in next 6 months at least.

2. Not anymore. They are reporting total CL properly.

 

[sidp]

I think point number 2 is resolved few months back. Have you checked recently?

@techt yeah! Hence "used to". They did it only after rbi forced them to.

 

[SSV]

I think hdfc knowingly do these things so that they stay ahead in business.
1. They dont decline application. They give lower variant card.
2. They used to report only max used cl not total cl. So that utilization will stay high and other issuers would be wary.
3. Do so many hard enquiries that no other issuer will give you card/loan in next 6 months at least.

2. Not anymore. They are reporting total CL properly.

I think point number 2 is resolved few months back. Have you checked recently?

 

[Deepak_Shetty]

View attachment 45176

Didn't notice . Thanks for your time.