Mal Practice to Sell Credit Card!

[Prateek Rathor]

Hello Everyone,

I recently received a call from an HDFC Bank official regarding a Credit Card (HDFC Millennia). I asked him whether it was a LTF he told me yes, so I agreed to take it! Upon receiving the card when I called customer care they told me that it was not a LTF. I contacted the bank official to ask him about the same and he told me that customer service is not aware of it and it's a LTF (Which I think is bizarre).

I'm really confused. Can anyone suggest how shall i proceed?

Thank-you!

 

[karankayastha]

Maybe you got spend based LTF as most hdfc cc have

 

[NewUser]

This is very common. The sales person will say anything to "sell" the card. Best case, it indeed is LTF.
However, I would go with the other scenario.
Anyway, assuming it's not LTF, try converting it into one: https://www.technofino.in/community...lifetime-free-conversion-conditions-2022.915/
Assuming the post has aged well(still relevant), fulfilling one of the conditions is easy for LTF.

 

[Chaitanya-a]

Hello Everyone,

I recently received a call from an HDFC Bank official regarding a Credit Card (HDFC Millennia). I asked him whether it was a LTF he told me yes, so I agreed to take it! Upon receiving the card when I called customer care they told me that it was not a LTF. I contacted the bank official to ask him about the same and he told me that customer service is not aware of it and it's a LTF (Which I think is bizarre).

I'm really confused. Can anyone suggest how shall i proceed?

Thank-you!

You might have received the call from 3rd party CC agent, not actual bank representative. They don't mis-sell as calls are always on recorded line.

 

[Rahul Gupta]

Hello Everyone,

I recently received a call from an HDFC Bank official regarding a Credit Card (HDFC Millennia). I asked him whether it was a LTF he told me yes, so I agreed to take it! Upon receiving the card when I called customer care they told me that it was not a LTF. I contacted the bank official to ask him about the same and he told me that customer service is not aware of it and it's a LTF (Which I think is bizarre).

I'm really confused. Can anyone suggest how shall i proceed?

Thank-you!

Hdfc only calls for pre-approved cards. You were probably cheated by a agent. Drop a mail to Grievance.Redressal@hdfcbank.com and ask them about LTF thing and if they deny then tell them your story.

 

[Patil007]

Hello Everyone,

I recently received a call from an HDFC Bank official regarding a Credit Card (HDFC Millennia). I asked him whether it was a LTF he told me yes, so I agreed to take it! Upon receiving the card when I called customer care they told me that it was not a LTF. I contacted the bank official to ask him about the same and he told me that customer service is not aware of it and it's a LTF (Which I think is bizarre).

I'm really confused. Can anyone suggest how shall i proceed?

Thank-you!

They did the same to me twice, Customer care call for confirmation and said it is LTF should I procced I said yes, but when it come to me it was paid closed both the card.

Later they said it was spend based LTF. 😏 .

Don't believe in HDFC, I still applied third time and got LTF. Took confirmation over mail from them.

 

[Prateek Rathor]

They did the same to me twice, Customer care call for confirmation and said it is LTF should I procced I said yes, but when it come to me it was paid closed both the card.

Later they said it was spend based LTF. 😏 .

Don't believe in HDFC, I still applied third time and got LTF. Took confirmation over mail from them.

woah!
I'll do the same!
By the way, where did you confirm it from?

 

[Prateek Rathor]

This is very common. The sales person will say anything to "sell" the card. Best case, it indeed is LTF.
However, I would go with the other scenario.
Anyway, assuming it's not LTF, try converting it into one: https://www.technofino.in/community...lifetime-free-conversion-conditions-2022.915/
Assuming the post has aged well(still relevant), fulfilling one of the conditions is easy for LTF.

Thank-you, buddy!

 

[Prateek Rathor]

You might have received the call from 3rd party CC agent, not actual bank representative. They don't mis-sell as calls are always on recorded line.

Could be!

 

[Prateek Rathor]

Hdfc only calls for pre-approved cards. You were probably cheated by a agent. Drop a mail to Grievance.Redressal@hdfcbank.com and ask them about LTF thing and if they deny then tell them your story.

I'll definitely do that, thank-you!

 

[Patil007]

woah!
I'll do the same!
By the way, where did you confirm it from?

customerservices.cards@hdfcbank.com

mail to them on this.

 

[panu24]

Hello Everyone,

I recently received a call from an HDFC Bank official regarding a Credit Card (HDFC Millennia). I asked him whether it was a LTF he told me yes, so I agreed to take it! Upon receiving the card when I called customer care they told me that it was not a LTF. I contacted the bank official to ask him about the same and he told me that customer service is not aware of it and it's a LTF (Which I think is bizarre).

I'm really confused. Can anyone suggest how shall i proceed?

Thank-you!

Best get it confirmed on email that you hold LTF card and there is no conditional spend required to have it LTF. Email to Grievance.Redressal@hdfcbank.com

 

[Prateek Rathor]

customerservices.cards@hdfcbank.com

mail to them on this.

Thank-you, Buddy!

 

[Prateek Rathor]

Best get it confirmed on email that you hold LTF card and there is no conditional spend required to have it LTF. Email to Grievance.Redressal@hdfcbank.com

Thank-you, Buddy!

 

[ltf4ever]

You might have received the call from 3rd party CC agent, not actual bank representative. They don't mis-sell as calls are always on recorded line.

sharing my experience.
4 years back. my friend was sold amex cc as ltf. when he got charged, he contacted amex customer care. they denied giving ltf to him. so he asked them to refer the call records. they told him that due to technical issue, the call records were deleted!

my own experience in last 6 months: hdfc rm assigned to me told me over official phone number that alumni offer does not exist for ltf DCB. i contacted grievance redressal who then arranged for the document submission and got me the card.

so don't depend on recorded call line, the records exist only for the benefit of banks.

 

[prc1990]

Hello Everyone,

I recently received a call from an HDFC Bank official regarding a Credit Card (HDFC Millennia). I asked him whether it was a LTF he told me yes, so I agreed to take it! Upon receiving the card when I called customer care they told me that it was not a LTF. I contacted the bank official to ask him about the same and he told me that customer service is not aware of it and it's a LTF (Which I think is bizarre).

I'm really confused. Can anyone suggest how shall i proceed?

Thank-you!

Drop an email to customerservices.cards@hdfcbank.com asking for LTF confirmation. If it was issued as LTF, you'll get attached response.

 

[Prateek Rathor]

sharing my experience.
4 years back. my friend was sold amex cc as ltf. when he got charged, he contacted amex customer care. they denied giving ltf to him. so he asked them to refer the call records. they told him that due to technical issue, the call records were deleted!

my own experience in last 6 months: hdfc rm assigned to me told me over official phone number that alumni offer does not exist for ltf DCB. i contacted grievance redressal who then arranged for the document submission and got me the card.

so don't depend on recorded call line, the records exist only for the benefit of banks.

Strongly agreed!

 

[Prateek Rathor]

Drop an email to customerservices.cards@hdfcbank.com asking for LTF confirmation. If it was issued as LTF, you'll get attached response.

Yes, I've done that!
now they've given me a window till 19th January in which they'll respond.
Let's see what happens!

Thank-you!

 

[Patil007]

Yes, I've done that!
now they've given me a window till 19th January in which they'll respond.
Let's see what happens!

Thank-you!

Yes their response is slow sometimes, 2-3 days they take.