So You Want to Cancel the Credit Card? Well, What If We Give You a Titanium Card Instead?

by Vinaya HS on December 3, 2008

in Finance

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I have an HDFC Bank Credit Card — one that I haven’t used since I received it over an year ago. I therefore decided to cancel it. A week back, I dropped a request-for-cancellation letter at an HDFC ATM near my house. Today morning, I called to check the status of my request. A few points from my conversation with customer care (my thoughts during the call within [ ]):

  • We have received the request letter. [Great!]
  • The card has been temporarily blocked. [Ok. Getting nervous.]
  • We’re working on canceling it permanently. [?]
  • But, why are you canceling the card? Blah blah…lifetime free…blah… [CANCEL]
  • We will upgrade the card to a Titanium Card. [WTF?]

Again, WTF mate?

I haven’t transacted a single time on this “standard” credit card and HDFC Bank wants to upgrade it to a Titanium Card (higher credit limits, extra dangerous to carry around, unwanted misery)! That aside, does HDFC Bank even care whether I have the capacity to repay? Isn’t this exactly what has happened elsewhere in the world? So, who was that who said that Indian banks are safe and sound?

What do you think?




Thanks for reading this article. I'd love to hear your opinion. Please use the comments section below to share your thoughts. I frequently write new articles that also cover several other aspects of personal finance including credit cards, financial goals, health insurance, income tax, life insurance, mutual funds, retirement planning, and much more. You can Subscribe through Email and receive new articles directly in your Inbox or you can Subscribe through the RSS Feed and receive new articles in your feed reader.

{ 14 comments… read them below or add one }

Girish December 4, 2008 at 10:29 PM

Ha….Ha….
HDFC bank is tryinghard to lure you back as a credit card customer….
Keep the blogs flowing…
Girish

satish gupta October 13, 2010 at 4:02 PM

SUB-: My Credit Card account closed

Re: Credit Card Number:- 4346 7710 1038 2233

Dear Sir / Madam:
I am paying my all outstanding payment on13/10/2010 by cash at HDFC BANK ANDHERI WEST BRANCH

on 13/10/2010 made a request by telephone to have my account closed. This letter confirms that request. Any updates to my credit report should reflect the account was closed at my request.

Please send confirmation the account was closed.

MOBILE NO-:09619101718
EMAIL -: manoj_g01@yahoo.co.in , mala_g01@yahoo.co.in

Sincerely,

Aditya January 26, 2011 at 10:11 AM

Respected Sir
I have transfer to new place and i am not getting the time to go to bank, so i want to cancel the card. kindly guide how i will cancel as the new card already sent to me. i donot want any more card.
Regards
Aditya

Vikash Chahar April 25, 2011 at 7:30 PM

Dear Sir,
I want to cancell my HDFC BANK CREDIT CARD . Please let me the procedure to cancel the credit card.

Regards,
Vikash Kumar chahar

ramesh garipalli July 4, 2011 at 9:06 AM

Dear Sir,
I want to cancell my HDFC BANK CREDIT CARD . Please let me the procedure to cancel the credit card.

Regards,
Ramesh garipalli

ramesh garipalli July 4, 2011 at 9:09 AM

Dear Sir,

I want to cancell my HDFC BANK CREDIT CARD(platinum card) . Please let me the procedure to cancel the credit card.

Regards,
Ramesh garipalli

sathish kumar July 26, 2011 at 5:34 PM

sir i want to cancel my hdfc credit card (gold card). please let me know the procedure to cancel the credit card

Fcuked by Credit Card September 13, 2011 at 3:52 AM

Call the bank, tell them that you wanna cancel the card. Pay off all your dues or opt for a settlement. Maintain a steel resolve not to accept any counter-bullshit-offers that they may make to you. Confirm this in writing. Follow through. Most important. Physically destroy your card by cutting it into at-least 3 pieces, after your card is cancelled. Breathe debt-free air. :0)

Sharan Mishra November 4, 2011 at 11:34 AM

Guys,

To cancel you Credit Card, all you need to do is write a letter (cancellation request) on a plain A4 size paper, providing details of the card & sign it duly.
Address the letter to
The Manager,
HDFC Bank Cards Division,
Chennai – 600041
Drop the letter at your nearest HDFC ATM in the appropriate box.
Done…

Neelesh N. Bandre February 3, 2012 at 2:43 PM

Sub. : Cancellation of Gold Credit Card No.4346 7810 1206 0000.

Dear Sir,

Reference to subject I would like to cancel my above mentioned Credit Card. As per point No. 8 of Taking care of your Card am sending here card destroyed into four pieces.

Please do the needful and confirm.

Thanks & Regards,

Neelesh N. Bandre.

shailendra sharma February 12, 2012 at 9:50 AM

pls cancel hdfc debit card right now 4346 7810 1017 7764
pls cancel all transaction in future

karthik July 31, 2013 at 11:46 PM

Hi,

I have a gold credit card which is totally damaged and am unable to make any transaction and i want to apply for a new card which is having more credit limit then the existing card. could you please guide me the right procedure.

Indumati Bhat October 7, 2013 at 12:58 PM

I have been dropping letters for letter confirmation of the closure of credit card at HDFC Bank Dombivli branch for the last 3 months as instructed by phone bankers at customer care. Where are my letters going ?
My card no. is 4346771008644768.
Please reply.
Indumati Bhat

Biplabkanti Chakrabarti December 10, 2013 at 12:34 PM

I have been applied for credit card at HDFC Bank Dindoshi branch after getting confirmation from your emplyee of that branch that,The card is life time free.
My card no.-5249310610009378 .After getting that card I came to know that it is not life time free.So i want to block or cancel that card immediately.
Please reply.
Biplabkanti Chakrabarti.

9167919860

REPLY

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