HDFC Debit Card Fee/Charges Reversal Successful

[ReloadFin]

Hello again,

I have Hdfc classic banking which i opted a decade ago, been using account initially but then moved to sbi, and recently i started to using hdfc a/c again.

Then i noticed there were debit card annual charges debited (each yr once) for last two years (2021 and 2022),

I gathered info and concluded that account was downgraded somewhere before charges applied and thought to give a shot to reverse these charges (750+gst = 885/yr).

Drafted email and including charges details and relationship details to their cs and acknowledgement received which states 1 week time frame for resolution, exactly a week after charges (Rs.1770/2yrs) reversed and confirmation email received next day.

I had zero hopes, even i was sure that i wouldn't reverse because account status was not premium banking but was regular.

P.S.: i had outstanding experience with hdfc (except securities team) because securities team keeps calling even after i told them not to call just WA, but yes they reduced frequency now twice a month. And RM (who never called me) is absolutely boon for me, i called him twice within last 2-3 years. No nonsense banking experience till now and yet to explore more until it gets better.


Thanks for reading, suggestion are welcome and open to any subjects.

 

[Akashn]

Happy for you

 

[D₹V]

Happens, congratulations 🎉.

 

[techt]

Great !!! may be they got scared of ALL CAPS mails. Wow casing of letters do win the case some times.

 

[ReloadFin]

Great !!! may be they got scared of ALL CAPS mails. Wow casing of letters do win the case some times.

It was to the point and yeah title needs caps. Lol😄

 

[TheGuy]

Do share mail content or synopsis...

 

[PrabhuP]

Can you pls share the email ?

 

[ashwink]

Downgrade 🤔 ?

 

[samm255]

HDFC is lenient on these charges, If it was Axis you couldn't have gotten it reversed.

 

[ReloadFin]

Downgrade 🤔 ?

Yes, maybe due to MAB not maintained.

 

[ReloadFin]

HDFC is lenient on these charges, If it was Axis you couldn't have gotten it reversed.

Actually i was able to get flipkart card charges reversed in the same week when it was issued.

I haven't seen axis's ugly side yet. (But I'm sure it's there).

 

[bvc19296]

Hello again,

I have Hdfc classic banking which i opted a decade ago, been using account initially but then moved to sbi, and recently i started to using hdfc a/c again.

Then i noticed there were debit card annual charges debited (each yr once) for last two years (2021 and 2022),

I gathered info and concluded that account was downgraded somewhere before charges applied and thought to give a shot to reverse these charges (750+gst = 885/yr).

Drafted email and including charges details and relationship details to their cs and acknowledgement received which states 1 week time frame for resolution, exactly a week after charges (Rs.1770/2yrs) reversed and confirmation email received next day.

I had zero hopes, even i was sure that i wouldn't reverse because account status was not premium banking but was regular.

P.S.: i had outstanding experience with hdfc (except securities team) because securities team keeps calling even after i told them not to call just WA, but yes they reduced frequency now twice a month. And RM (who never called me) is absolutely boon for me, i called him twice within last 2-3 years. No nonsense banking experience till now and yet to explore more until it gets better.


Thanks for reading, suggestion are welcome and open to any subjects.

written mail to grievance cell mail??

 

[samm255]

Actually i was able to get flipkart card charges reversed in the same week when it was issued.

I am talking about savings account consolidated charges, Credit card dept is different and they sometimes works in customer's favour.

 

[ReloadFin]

written mail to grievance cell mail??

Support@hdfcbank.com
This one

 

[Lordkk]

Actually i was able to get flipkart card charges reversed in the same week when it was issued.

I haven't seen axis's ugly side yet. (But I'm sure it's there).

How? What did you say to them?

 

[girish3456]

Hello again,

I have Hdfc classic banking which i opted a decade ago, been using account initially but then moved to sbi, and recently i started to using hdfc a/c again.

Then i noticed there were debit card annual charges debited (each yr once) for last two years (2021 and 2022),

I gathered info and concluded that account was downgraded somewhere before charges applied and thought to give a shot to reverse these charges (750+gst = 885/yr).

Drafted email and including charges details and relationship details to their cs and acknowledgement received which states 1 week time frame for resolution, exactly a week after charges (Rs.1770/2yrs) reversed and confirmation email received next day.

I had zero hopes, even i was sure that i wouldn't reverse because account status was not premium banking but was regular.

P.S.: i had outstanding experience with hdfc (except securities team) because securities team keeps calling even after i told them not to call just WA, but yes they reduced frequency now twice a month. And RM (who never called me) is absolutely boon for me, i called him twice within last 2-3 years. No nonsense banking experience till now and yet to explore more until it gets better.


Thanks for reading, suggestion are welcome and open to any subjects.

Good bank always respects the customer relationships.

Even I too have a good experience which I can't forget for rest of life I can say.

In my case I wrongly applied or clicked submit after logging in to my hdfc internet banking and to my bad luck my LTF DCB plastic version had then moved to FYF DCB Metal edition card.

However after dropping a email to backend team l, they converted/downgraded me again to DCB plan(from DCB Metal)

After the back end team had downgraded DCB Metal fyf to DCB Plastic fyf 4 days back. Dropped a email to PriorityRedressal.CreditCards@hdfcbank.com to consider from DCB Plastic fyf to DCB Plastic LTF. (Mentioned in the email saying it was purely my mistake and holding LTF card from last 12 yrs in hdfc & if bank is not converting my DCB card as LTF I have mentioned that I may close my credit card and bank salary account) which I wouldn't have do it anyways as it was my oldest card. (Started using hdfc card with a basic version way back in 2012)

But to my luck, finally received an email from PriorityRedressal.CreditCards@hdfcbank.com saying that they have considered my request approved for DCB Plastic LTF again (which I was enjoying till 10 days back).

Happiness overloaded. Much respect towards HDFC bank for valuing my 12 plus years of relationship with the bank.

Definitely, I can say HDFC credit card will be my primary card until I stop using all my credit cards in my life span (also which was there as my primary card from 2012)