Regarding Credit Card?

Question

Dear Sir/Madam, Good afternoon . Hope you are doing well! This is Snehasish bring you a concern regarding the credit card. I have one existing credit card (Platinum Money back card) as per the upgardation program i got a calland they said that my card will upgrade to ALL MILES card. At the time of personal conversation they are telling that this card has more rewards point then my existing credit card while purchasing things and also cash back is also high like Rs 70 paisa . And also they told that if i am not swipe the card in same banks ATM within the given time frame then it will change to my old one Then they upgrade it with my permission and send card to me on monday .Once i got the card i have check in internet this card is having offer in only flight booking and no other offers . After that i called to the care and asked them to revert to my old card since i am not swipe the card for single time now they are saying not possible. I have send mail also then they are telling the procedure to close the account . I donot know what to do actually i have been suffer with last 2-3 days regarding this. Please look into this matter as they gave me wrong information to sell there product and also take some serious action against them. 

Regards

Thanks, Snehasish
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Answer 1

Dear Snehasish

The upgrade to ALL MILES by HDFC Bank of your credit card should be based on your spend.  Notwithstanding that, the structure of reward points and redeeming must be the same.  There could be a possibility that the bank might have stopped issuance of the card, which you were earlier having.  If you still want to take it up with the bank for cancellation of the present card, please ensure following steps.

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)

RAJA