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HDFC Bank — Mirevenue hold through gefu

Address: Warangal

2 months charged non maintaing monthly average balance of 5000₹
300 each month
600
this month added 20000
712 on hold.

why?
also there is a billing on undelivered credit card. transferred to recovery agency bill ₹3000
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Now the hold amount debited to whoom?
no info on statement
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