After completing 6 months since the last LE on my HDFC Bank Credit Card, I reached out to HDFC for another LE. Despite the fact I could have got the LE based on ITR easily, I still wanted to try the C2C route. I went through a lot of threads here where they mentioned that they denied LE on other credit card statement.
On the forum, I also found a screenshot where it was mentioned that HDFC accepts Amex, Axis, HSBC and Standard Chartered Bank CC statements for LE. I immediately downloaded that and changed the timestamp to avoid any suspicion. I immediately mailed them regarding LE on Priority Redressal and attached that SS as well along with relevant documents.
After that, I received a response from them. To my surprise, it was written that other bank CC statements are accepted as well and asked me to send the documents again even though I had already mailed them. I thought it might be a mistake and it definitely was but for me it was an opportunity.
After that I sent a mail to HDFC Bank MD Desk in the hope of quicker resolution of issue. After that I received a call from the bank stating that we do not accept other bank statements to which I contradicted them by saying that I already have 2 proofs but why is the bank now backtracking on its own rules under the guise of internal policies. He told they will respond in 2-3 days.
After 2 days, I got another call from HDFC. They said they'll take ITR or Salary Slips into consideration. I simply told them I will file my ITR in the last week of July and my payslips are from different firms so won't be possible. He still persuaded me to give ITR or salary slips. I told him that I don't want to be a customer of a bank where the bank employees have no clarity over their policies and backtracks after giving things in writing. (Seems he was not aware that my card was LTF). I chided by saying that I don't want to be a customer of a bank where I have doubts over the integrity of the firm and its employees and will rather switch to a bank where honesty is a core principle of their day to day functioning and I will also escalate this issue to RBI BO over lack of clarity in intimation of policies to customer therby leading to deficiency in services. I told him that I had screwed them a lot with the help of RBI Ombudsman and will have no qualms in doing so again. He told me he'll talk about it with his senior. (No idea if there is anything above MD Desk as well).
Today got the call, they are willing to take my Amex card statements into consideration and will be sending me the mail regarding it shortly to which I need to give my consent and apologised for this incident. Also recorded the call because I have serious trust issues.
Now looking forward to the mail. 🙂
On the forum, I also found a screenshot where it was mentioned that HDFC accepts Amex, Axis, HSBC and Standard Chartered Bank CC statements for LE. I immediately downloaded that and changed the timestamp to avoid any suspicion. I immediately mailed them regarding LE on Priority Redressal and attached that SS as well along with relevant documents.
After that, I received a response from them. To my surprise, it was written that other bank CC statements are accepted as well and asked me to send the documents again even though I had already mailed them. I thought it might be a mistake and it definitely was but for me it was an opportunity.
After that I sent a mail to HDFC Bank MD Desk in the hope of quicker resolution of issue. After that I received a call from the bank stating that we do not accept other bank statements to which I contradicted them by saying that I already have 2 proofs but why is the bank now backtracking on its own rules under the guise of internal policies. He told they will respond in 2-3 days.
After 2 days, I got another call from HDFC. They said they'll take ITR or Salary Slips into consideration. I simply told them I will file my ITR in the last week of July and my payslips are from different firms so won't be possible. He still persuaded me to give ITR or salary slips. I told him that I don't want to be a customer of a bank where the bank employees have no clarity over their policies and backtracks after giving things in writing. (Seems he was not aware that my card was LTF). I chided by saying that I don't want to be a customer of a bank where I have doubts over the integrity of the firm and its employees and will rather switch to a bank where honesty is a core principle of their day to day functioning and I will also escalate this issue to RBI BO over lack of clarity in intimation of policies to customer therby leading to deficiency in services. I told him that I had screwed them a lot with the help of RBI Ombudsman and will have no qualms in doing so again. He told me he'll talk about it with his senior. (No idea if there is anything above MD Desk as well).
Today got the call, they are willing to take my Amex card statements into consideration and will be sending me the mail regarding it shortly to which I need to give my consent and apologised for this incident. Also recorded the call because I have serious trust issues.
Now looking forward to the mail. 🙂
Last edited:
