I had a very bad exp with HDFC Credit Card, I just purchased for 2K end up paying 8K for late payment. They will not feel the burden no one cares other feeling and worries there is no humanity. Modi did demonetisation upon that these banks suck money from our account without informing us. No cash in ATM’s No cash in Bank now No cash in account. They have bad customer care team worst collection team. Worst employee they never help anyone. They make money cheat people giving false information. They enjoy taking others money with their family one day their kids will cheat them and their family will betray them. Worst people in the whole world.