[Resolved] HDFC Bank — hdfc snapdeal credit card

neharawat09021991

from Noida, Uttar Pradesh

Feb 27, 2018

Address: Gautam Buddh Nagar, Uttar Pradesh, 201301

I have Snapdeal HDFC credit card and i want to convert my payments to emi but they are not doing that.they are deducting almost 3500 every month for different different charges but not ready to convert in Emi. One of the customer service representative told me that do not pay till 3 months then the collection team will call you and then settlement will be done but it will ruin your cibil .if they can tell me this why cannot they convert it into emi so that i can pay the amount, its 60000.I am having this card more than 3 years and then also this is the result I am getting this is worst card do not take it.one executive told me take personal LOAN and then pay amount for card.rather tha n helping me with emi they are giving me these suggestions.I am so pissed off.
People say right that hdfc bank is the worst and really ### as they apply so many charges without any reason.

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Apr 4, 2018

Complaint marked as Resolved

HDFC Bank customer support has been notified about the posted complaint.

Feb 27, 2018

Updated by neharawat09021991 I WANT SOME RESOLUTION, I WANT TO PAY THE MONEY BUT YOU CAN ALSO UNDERSTAND THE CUSTOMER, PLEASE MAKE EMI SO THAT I CAN PAY ANY WHATEVER INTEREST IS APPLICABLE ON EMI I AM READY TO PAY THAT.

Verified Support

Mar 01, 2018

HDFC Bank Customer Care's response Dear Customer,

We wish to clarify that we offer like Smart EMI conversion, Insta loan, Balance Transfer, etc., will be available on the card account from time to time basis the usage and payment pattern on the card account and the same is not a standard product offering. Currently, there is no offer for EMI conversion on your card account. Hence we regret to inform you that we are unable to accede to your request for conversion. However, we request you to check with the merchant at the time of transaction for offer availability. We wish to clarify that settlements are offered basis prevailing outstanding on the card account and the same is as per the discretion of the bank and as per bank terms only. We request you to contact our Debt Management officers at[protected]/66668102 for further clarification.

-Manoj
HDFC Bank Customer Assistance