HDFC Credit Card - and SBI previlege circle Scam:
SBI previlege circle Scam:
This is the latest story of mischief by the c card companies, executive calls and tells many sweet things about the offer
and when you actually get the pack you find out that the watch they said worth 3000/ rs is available on net for 750/- and
the offer for hotel and flight ticket is put up so nicely that any busy person would find it impossible to avail those
deals. Moreover even the option form is designed so well that it has hardly any space to write (and you are to write in bold
letters very clearly) and to top it all they play safe (you can not cancel the deal) that is really being consumer
friendly. So be carefull of these liars calling to sell you something over phone, trust them at your own peril and learn
the hard way ?
We already had an ICICI gold credit card, given to us for free. No charges at all. But when we looked at the HDFC website,
we thought that HDFC probably offers better service and offers on their card.
We bought an HDFC Gold credit card by paying over 2000/- as a lifetime fee. That
was our biggest blunder. Our miseries started.
You cannot check the HDFC Card details online ( it has changed lately), they never send statements by email,
they do not send SMS alerts, and the best part is, they do not even have a TOLL-free phone number! And
you should know that it is not unusual if you take 30 mts on phone to sort out one simple problem with the card company.
You can see all the fantastic features that are promised with this card here
http://www.hdfcbank.com/personal/cards/cc_prm_gold.htm
but it all is a bag of CRAP.
The International Calling Card which is promised on the website never reached us.
When I tried enquiring about the Insurance, I was told to Call from abroad and only when I got
into trouble, or else call United India insurance. On calling them, they in turn told me to call HDFC.
If you are counting on them to help if you have lost your baggage/ passport or missed your flight, GOD Save you
According to one study there is 30% chance that you will pay late and trigger a late fee. So be very careful about this when
you start using your credit card. And read on for more and click on the links below:
Tips before you take/ choose credit card
Things to know before taking a credit card
CREDIT CARD OR MISERY CARD, this is what happens when you do not know enought about how to make use of your card.
AVOID RIP OFF : Credit card is a useful tool, BUT it is very important to read FINE PRINT and be careful.
Alarmed by reports that credit card companies have collected over Rs 6,000 crore in a decade from customers by way of fines and late fee,
India's anti- monopoly watchdog has ordered a probe into the fees levied by them. The Monopolies and Restrictive Trade Practices Commission (MRTPC)
has asked the Director General of Investigation and Registration (DGIR) to probe the issue and report back CLICK HERE FOR MORE
ALWAYS BE READY TO FIGHT - do not take it lying DOWN, once I found that late fee has been charged, I checked
and saw that I have not received the bill posted by them, on calling and informing them they reversed the charges.
HOW A Credit Card WORKS
Another scam/menace is credit card companies calling/mailing letters to card holders and offering them huge
cash advances at very low rate of interest or FREE, BE CAREFUL these are traps, READ MORE
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