HDFC Bank Credit Cards are worst offenders and would request the reader to stay away from them. I've been employed abroad for the past 1 year and I was told that they would issue me a settlement letter to clsoe the outstanding. Right from the beginning, I've been behind them to put this in writing which they avoided. Their interest it seems is only to keep us debted for life and keep extracting the minimum payments. I insisted on paying the entire amount outstanding in 1 lot. One day I find they freeze my HDFC saving... read full review »