Hello All, Today I am going to tell you about my HDFC bank credit card. Credit card is very dangerous to use because their interest rates are too high. And HDFC bank will never mention it anywhere that you will have to pay this much of interest rate. You will keep on using you credit card will keep on paying the interest almost 43% of the principle amount per annum. This shows that it is better if you take a personal loan of same amount. Credit is a real sin. Never get a credit and if you get one then use it in a proper way. HDFC bank has looted me a lot under over due charges, interest rates, dues and minimum dues etc etc. I have paid 2 times of my principle amount. Overall I would like to say never get a credit card.