[Resolved]  HDFC Bank Bank Credit Card — Not providing correct details

Address: Bangalore, Karnataka

I hold a HDFC Bank credit card. As of 4th Jun14 my total outstanding on HDFC bank credit card is approx 41k. Of which 15K is amount charged due on account of various fees and charges.
The Bank has blocked my HDFC bank savings account for amount of 40k without any intimation.
The last minimum payment due was made on 26th Mar14 post which due to Bank not providing details on account settlement I did not make any payment against my credit card.

When I inquired at the Credit card department about the delinquency status, they said that if the customer is within 3-4 delinquency bucket they can block the collateral securities or any of its form in case of non payment.

ISSUE1- WHAT IS THE EXACT DELINQUENCY BUCKET TO SUSPEND A CREDIT CARD OR BLOCK SAVINGS ACCOUNT in case of non payment?

THE CREDIT CARD DEPARTMENT IS NOT EVEN ALLOWING THE CUSTOMER TO GO CURRENT OR ACTIVE POST BLOCKING AND DEBITING THE OVERALL OUTSTANDING AMOUNT.

I am still in 2nd delinquency bucket as the due date is 9th of every month.
I am ready to make a settlement by making equal installments for the outstanding amount and hereby ask the bank to release the block order on my savings account.

I need clear guidelines from the BANKING AUTHORITY regarding the dates from which they get the authority to cease customer savings account without any intimation.

The staff at HDFC Bank Collection department and customer care units are extremely inefficient and non responsive.

Thanks
ANKIT GOENKA
[protected]/ [protected]
BANGALORE, INDIA