I have taken hdfc credit card in 2018, they have requested multiple time. Once I started using, my experience was horrible, They are big froud cheater, no proper communication where I can report them, they put unnecessary extra charges, every time i paid more than outstanding amount, I went to their head office bangalore richmond circle their also, they have separate division for credit card, you cannot directly contact them, collection department so called, its like gambler people inside the office no one is having id card, I requested them to close my card immediately, person toldme to clear outstanding although it was more than what i have spent, but I want to close immediately this card since almost one year I was struggling, after paying all due also they have not close my card inspite of that next month billing they put extra charge on thr card, then again i paid, still not close, finally by lots of request and torture they have closed two days back@ terrific experience Now I scared by seeing the name of HDFC credit card..never ever believe on this bank