Hdfc is bad banking in this the dealers first start begging us take it take it sir it is having lot of benifits u can do this very securly and start us begigng once we take and use it they start cutting more money than the bill this is and put out double bill if it ia not paid in time so very bad charges and if we use 2000 this in this month the bill paid next month will be 5000 so like this people r getting chested with these bank after paying if we want to close there is no option for that also to close we need throw the throw the card r have to break the card so this is so bad to u use so I request all guys to not use this credit cards