Mr. X
TF Ace
Hello,
I’m writing this post to share my recent frustrating and disappointing experience with HDFC Bank, where both of my credit cards were blocked without any prior intimation — no SMS, no email, and no call.
Cards that were blocked:
HDFC Millennia Credit Card
HDFC Swiggy Credit Card
Timeline & What Happened:
April 25, 2025
I noticed that both of my HDFC credit cards were suddenly blocked. I immediately contacted customer care, and they said the cards were blocked by the collection department due to long pending dues. This came as a shock because I had not even used the cards recently, and there were no outstanding payments.
I then called the collection department, and they clearly confirmed that I had no dues, and they had not initiated any block on the cards. They even said they had no idea why the cards were blocked.
Later the same day, I sent an email to HDFC Bank raising my concern.
Bank’s Response
After 2-3 days, I got a reply saying the cards were blocked due to internal policy and repeat outlier usage. No detailed explanation, no proof of any specific misuse or transaction. And definitely no prior notice or warning. I was never sent any so-called dunning letters they later referred to. I escalated to Nodal then,
April 29, 2025
I got an official response saying my issue was being handled on priority and that I would receive a resolution by May 9, 2025.
May 7, 2025
I got another email claiming that they tried calling me but couldn’t reach me. This was completely false — I received no calls or even missed calls from any HDFC number. I immediately responded and told them I was not contacted.
Then, they replied again saying the issue is still under review and that I will now get a resolution by May 18, 2025. This clearly looked like they were just stretching the issue without offering any solution.
The Twist – May 21, 2025
On May 21, I got a call from an HDFC executive. She asked me to visit the nearest branch and submit income proof. I asked her, “Will my cards be unblocked after that?” Her reply was shocking — No, your cards are permanently blocked.
Then why ask for income documents at all?
Final Thoughts
The bank is just passing time with new deadlines, vague replies, and fake reasons.
No one from their support team could give a valid explanation for the card blockage.
There was no due, no misuse, and no warning or communication before blocking.
The internal communication within HDFC seems broken — one department doesn’t know what the other is doing.
The lack of transparency and accountability is deeply concerning.
I’ve raised a complaint to the RBI now, and I urge others to be cautious. If this can happen to a due-clear customer, it can happen to anyone.
If anyone has faced a similar issue or has advice on how to escalate this further, I
’d appreciate your suggestions.
I’m writing this post to share my recent frustrating and disappointing experience with HDFC Bank, where both of my credit cards were blocked without any prior intimation — no SMS, no email, and no call.
Cards that were blocked:
HDFC Millennia Credit Card
HDFC Swiggy Credit Card
Timeline & What Happened:
April 25, 2025
I noticed that both of my HDFC credit cards were suddenly blocked. I immediately contacted customer care, and they said the cards were blocked by the collection department due to long pending dues. This came as a shock because I had not even used the cards recently, and there were no outstanding payments.
I then called the collection department, and they clearly confirmed that I had no dues, and they had not initiated any block on the cards. They even said they had no idea why the cards were blocked.
Later the same day, I sent an email to HDFC Bank raising my concern.
Bank’s Response
After 2-3 days, I got a reply saying the cards were blocked due to internal policy and repeat outlier usage. No detailed explanation, no proof of any specific misuse or transaction. And definitely no prior notice or warning. I was never sent any so-called dunning letters they later referred to. I escalated to Nodal then,
April 29, 2025
I got an official response saying my issue was being handled on priority and that I would receive a resolution by May 9, 2025.
May 7, 2025
I got another email claiming that they tried calling me but couldn’t reach me. This was completely false — I received no calls or even missed calls from any HDFC number. I immediately responded and told them I was not contacted.
Then, they replied again saying the issue is still under review and that I will now get a resolution by May 18, 2025. This clearly looked like they were just stretching the issue without offering any solution.
The Twist – May 21, 2025
On May 21, I got a call from an HDFC executive. She asked me to visit the nearest branch and submit income proof. I asked her, “Will my cards be unblocked after that?” Her reply was shocking — No, your cards are permanently blocked.
Then why ask for income documents at all?
Final Thoughts
The bank is just passing time with new deadlines, vague replies, and fake reasons.
No one from their support team could give a valid explanation for the card blockage.
There was no due, no misuse, and no warning or communication before blocking.
The internal communication within HDFC seems broken — one department doesn’t know what the other is doing.
The lack of transparency and accountability is deeply concerning.
I’ve raised a complaint to the RBI now, and I urge others to be cautious. If this can happen to a due-clear customer, it can happen to anyone.
If anyone has faced a similar issue or has advice on how to escalate this further, I
’d appreciate your suggestions.
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