Dear Customer,
We hope this e-mail finds you and your family in good health.
Your Alternative a/c no. 0001013730000211727
Your HDFC Bank International Credit Card 434168XXXXXX1729
Credit Limit Rs: 29000
Current Balance Rs: 548.45
Minimum Amount Due Rs: 458.45
We write to you in reference to your Credit Card account detailed hereinabove.
We notice that we are not in receipt of the minimum amount due scheduled to be paid this month. We would be grateful if this advice receives your urgent attention.
Simply keep your contact details (mobile no/ address/ email ID) updated in our records. We will send you periodic reminders# about your loan/ card account.
Under the Credit Information Companies (Regulations) Act 2005, Bank is required to share information on loan repayment with TransUnion CIBIL and other credit information companies. Please ensure to make timely repayment of your outstanding dues to avoid any negative impact on your credit score.
If the bank`s representatives, including an authorized outsourced associate, are unable to contact you at your registered address and phone number, may contact you at any other addresses/ contact numbers/ email IDs which we may find through credit bureaus and other sources.
There are several convenient ways that you can remit payments to your card account
If you are a customer of the Bank
You can remit payment through netbankingat https://netbanking.hdfcbank.com/netbanking on your registered card account
You can remit payments through any HDFC Bank ATM
You can remit payments through our Mobile banking app on your smartphone
If you hold a bank account with any other Bank
You can remit payment through the Billdesk portal at www.billdesk.com/pgidsk/pgmerc/hdfccard/index.jsp
As a valued patron of our card, we assure you of our best services at all times. Should you have any queries, please do not hesitate to contact us at any of the telephone numbers mentioned below. Our officers are available to assist you with all your card related queries. Please refer to the annexure attached for details of contact numbers and other pertinent information
The list of recovery associates empanelled with the bank is available in the link below:
https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Common%20Overlays/Feedback/PDFS/Banking%20Ombudsman%20Scheme/Active-Vendor-list-Website-upload-Jan%2721.pdf
You can view the model collection policy of the bank from the link below:
https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Common%20Overlays/Feedback/PDFS/Citizens%20Charter/model_collection_repossession_policy.pdf
Yours Sincerely,
Officer - Retail Portfolio Management - Credit Cards
This is a computer-generated reminder and does not require a signature.
Non payment / Overlimit usage of card accounts will lead to levy of the following charges as applicable.
Finance charges - Upto 3.6% and as applicable to your card account
Late Payment charges - Upto Rs.1300 and as applicable to your card account
Overlimit Usage charges - 2.5% of the over limit amount with a minimum of Rs.550
Payment return charges - 2% of the payment amount with a minimum of Rs.450
Annexure:
The Bank has in place a model policy on collections of dues and repossession of security that is available on the Bank’s website (www.hdfcbank.com). An extract from the policy is given below for your ready reference.
Collection of Dues:
Whenever we give loan, we will explain to you the repayment process by way of amount tenure and periodicity of repayment. However, if you do not adhere to repayment schedule, a defined process in accordance with the laws of the land will be followed for recovery of dues. The process will involve reminding you by sending you notice or by making personal visits and/or repossession of security if any.
Our collection policy is built on courtesy, fair treatment and persuasion. We believe in fostering customer confidence and long-term relationship. Our staff or any person authorized to represent us in collection of dues or/and security repossession will identify himself/herself and display the authority letter issued by us and upon request display(ing) to you his/her identity card issued by the bank or under authority of the bank. We will provide you with all the information regarding dues and will endeavor to give sufficient notice for payment of dues.
All the members of the staff or any person authorized to represent our bank in collection or/and security repossession would follow the guidelines set out below:
a. You would be contacted ordinarily at the place of your choice and in the absence of any specified place at the place of your residence and if unavailable at your residence, at the place of business/occupation.
b. Identity & authority to represent would be made known to you at the first instance.
c. Every agent visiting you carries a bank issued identity card imprinted with a unique QR code. You may verify the details of agent by scanning the QR code
d. Your privacy would be respected.
e. Interaction with you would be in a civil manner
f. Normally our representatives will contact you between 08:00 hours and 19:00 hours, unless the special circumstances of your business or occupation require otherwise.
g. Your requests to avoid calls at a particular time or at a particular place would be honored as far as possible.
h. Time and number of calls and contents of conversation would be documented.
i. All assistance would be given to resolve disputes or differences regarding dues in a mutually acceptable and in an orderly manner.
j. During visits to your place for dues collection, decency and decorum would be maintained.
k. Inappropriate occasions such as bereavement in the family or such other calamitous occasions would be avoided for making calls/visits to collect dues.
l. Bank issues digital receipts through an sms near realtime for payments deposited to our authorised agent. You may verify the authenticity of the agent by scanning the QR code imprinted on their identity card.
Security Repossession Policy Statement:
We will follow a security repossession policy in consonance with the law. A copy of the policy will be made available on request.
If at any time you observe that either our staff or outsourced agencies have violated any of the above provisions, please feel free to contact our toll-free help line which is 1800 224 060 from your city.
If you are not the intender recipient of this letter(or e-mail) or if the specified card number does not belong to you, please do write in to us at
Codecomplianceofficer-cards@hdfcbank.com
You may also feel free to write to our Collections Code Compliance Officers mentioned below in case your grievances have not been addressed by the above help line :
Name : Mr. Debjyoti Datta
Contact Number : 011-66668103
Email ID : Codecomplianceofficer-cards@hdfcbank.com
