This is second CC I applied. The only reason I applied this cards is
Its a Visa Gold Card, Valid internationally and they have Web portal.
In the end nothing is there.
The guy called me and said that since I have a account with HDFC Bank, they will give a waiver for 2 years on Gold Card.
I am travelling person and I wanted a feature of Web portal where I can view my transaction and make payments.
First question to the sales about Web Portal. As usual he said yes.
In the application, there is a column for auto debit from my SB account. I said yes for that.
Thats the big mistake I did.
All the problem started after this.
Verification:
Verification is done by external agency.
This agency has all my personal details. I was reluctant to divulge any information to them because, I am not very about these guys.
I did not give any answer to them. Then I was aksed to contact HDFC Call centre for more details.
I was on hold for an hour. This is after spending like 2 - 3 days.
Ultimately I got hold a CSR. Explained them I cannot disclose my details to some un-known agency. AFter going back and forth the processing is over and I will be getting my card.
The courier guy (Blue dart) came to deliver the Card to my office. That guy insisted I give either Driver license, PAN Card, Passport copy as proof of accepting the courier.
He wont take anything else. On top of this, he needs a photocopy of the document.
I was ready to show it to him that I am in deed the correct person and he can deliver the card.
That guy insisted for a copy which I refused. I asked him to take it back.
Again Call centre. Again waiting. At last I aksed them to deliver it to a nearest HDFC Bank and I will collect it in person.
I did that.
I got the card.
Surprise. I got a Gold Card. But its a Master Card. Then I thought to keep it for some time.
One more suprise. Statement came. There is balance I owe of Rs. 1600+.
This is membership fees.
According to my application, I am getting it because, I have an account with HDFC.
Again Call centre and waiting. Finally I found that I am cheated by that Sales agent. Mine is a normal application and no waiver for any fees.
By the time I finished all this, Bank has already taken money from my account for the membership fees.
Then I cut the card send it to them. Got the money back after cuople of months.
I missed one thing here. NO WEB PORTAL.
Lie #1 No Web portal
Lie #2 MASTER instead of Visa
Lie #3 2 years Waiver
.......
So I made up my mind not to venture for any credit card for some more time.