I owned a credit card with HDFC in 2005 and i have surrendered the card in the same year. After one year my saving account was put on hold by HDFC credit card department saying i had to pay Rs.5000/- to continue have access to my savings account.

I never had any outstanding payment when i surrendered the card. After one year i get a letter that i have a outstanding payment of Rs.5000/-. This is ridiculous... HDFC is cheating its own customers.