Tips for Safe Usage

Here are some important tips which ones MUST carefully read and also follow for their own safety.

  • You must always sign at the back of your credit card as soon as it arrives
  • Memorize or note down your 3 digit CVV number and blacken it on the card
  • Always ensure that your credit card is swiped in your presence. 5 Star Hotels or Clubs are no excuses.
  • Store your card particulars in a safe place, separate from the card so that you can access this in the event the card is stolen.
  • In the event of your card being stolen, inform the card company immediately and get the card blocked.
  • Subscribe to SMS Alerts, if they are offered and work at all [HDFC Bank’s Alerts are useless] ICICI Bank’s alert are really real time. ICICI Bank sends alerts to your mobile immediately after every transaction.
  • When your credit card expires, cut into atleast 3 pieces such that the magnetic piece is also cut at 3 different places.

The credit card companies [including SBI, HDFC, etc] in India are functioning really below expectations and if you decide to have one, you should be extremely careful as the regulator RBI and Finance Ministry are least bothered about citizens woes.

One Response to “Tips for Safe Usage”

  1. This is just a SPECIMEN TO SHOW HOW THE HDFCBANK CREDIT CARD HOLDERS ARE TREATED NO JUSTICE SINCE LAST FIVE YEARS
    It was pleasure at last I got a reply may not totaly irrelevant but not precise too .I further repeat my words with Poonam madam on Oct 20, 2008 that the worst condition of Consumer / Customer is in India where any company / Institution can rule the Customer and for a sound reputed esteemed bank like HDFC it should not take even minutes to understand penalties / assets / liabilities .When the penalties or charges in other words like Rs.700 for check bouncing ,interest on delayed credit card payment is documented the bank's liabilities towards compelling the customer to lead to fraud & sending gundas , recovery agents for HDFC CARD payments with ICICI bank I CARD entering the house is surely due to the recovery agents appointed by the bank but where there is no undue recovery this is a thief entering the HDFC Card customer's house without knocking & trying to steal goods & when noticed showing the ICICI Identity card yet this is brought to the notice of the Local HDFC Branch Manager & Confirmed alas GOD BLESS them those who are spelling out to fetch justice but cannnot .SO MADAM ITS FINALY A CHALLENGE PLEASE SAVE THIS DOCUMENT AS PRINTED COPY THAT HDFC CANNOT FETCH ITS CUSTOMERS THE RIGHT ,JUDICIOUS & LEGIMATE JUSTICE BECAUSE IT WILL AFFECT TO GREAT EXTENT.BECAUSE IF YOU REALY GO THROUGH THE SEQUENCE ,STUDY IT CRITICALY THEN TELL ME IS IT WORTH TO DISCUSS ABOUT THIS COMPLAINT ON PHONE ONLY JUST TO CONVINCE ME THAT MY CARD IS SENT ON MY CARE OF ADDRESS PLEASE FORGET THE BANK HAS NOT DONE ME A FAVOUR BUT THE OFFICIALS HAVE TRIED TO SAVE THEIR JOB DUE ON THE VERGE OF FIRED OFF DUE TO THEIR OWN MISTAKES.
    MY HDFC GOLD CARD No. ***************EXPIRED
    ON 30.11.20**
    I BROKE IT & DROPEED IT IN THE ATM DROP BOX AT AMRAVATI WITH AN APPLICATION TO ISSUE NEW CARD .I DIDNOT GET THE CARD WHILE IT WAS SENT BECAUSE I WAS ON TOUR & MISSED THE DATES THE CARD WAS SENT I THINK TWICE AT AMRAVATI.I HAD TALKED WITH THE CONCERNED PEOPLE .THIS CORRECT TO VERIFY THAT THE CARD COULD NOT BE DELIVERED IN 2007.
    AS DUE TO TRANSFER I SHIFTED TO JALNA & TRANSFERED MY ACCOUNTS TO JALNA HDFC BANK ( YOU CONFIRM THE DATE & TRANSFER TOO) THEN I CALLED ON THE CARD CALL CENTRE No. FOR ENQUIRING
    1. THAT CAN I GET THE CARD ON THE ADDRESS I HAVE FOR MY HDFC ACCOUNTS . "REPLY WAS YES "
    2.I CLEARLY TOLD THE LADY ON PHONE MY ADDRESS IS
    P.S.PATIL
    C/o ASHOK S TELANG
    17, STATE BANK COLONY
    KARWA NAGAR
    JALNA 431203
    I PURPOSELY ASKED HER THAT IS IT POSSIBLE TO DELIVER THE CARD ON THIS ADDRESS THE LADY REPLIED YES YOU JUST SEND US THE FAX .
    I SENT THE FAX I HAVE COPY WITH ME .
    THEN THERE FOLLOWED A SILENCE ZONE OF SOME 25 -30 DAYS WHERE I HAD TO AGAIN CALL TO ENQUIRE WHAT HAPPENED TO THE DELIVERY OF CARD THAT TIME THE REPLY BLASTED OUT AT ME WAS DON'T YOU UNDERSTAND THE CARD CANNOT BE DELIVERED AT C/o ADDRESS.
    3.WHAT A POOR MAN LIKE ME CAN DO AGAINST THE GIANT BANK LIKE HDFC & ITS EMPLOYEES HAD TO REQUEST FREQUENTLY THEN I MET A CUSTOMER SERVICE LIKE THE BESTOWMENT OF RELIEF THAT OF A GOD HE WAAS REALY INTELLIGENT BUT HIS MISTAKE WAS HE THOUGHT THE CUSTOMERS ARE REALY FOOLS .
    HE ASKED ME SEND A FAX OR LETTER JUST OMMITING OUT THE C/o WORD FROM THE ADDRESS SO THAT HE CAN ARRANGE THE DELIVERY OF THE CARD .
    BUT I WAS SUDDENLY SHOCKED AS I REALISE SENDING THE SAME DOCUMENT IN TWO TYPES IS EQUALY A FRAUD HENCE I PAID FEES TO ASK THE LEGAL PEOPLE IF I SEND THE FAX WITHOUT C/o WORD WON'T IT BE FRAUD OR FRADULENT ACT OF MINE ALL TOLD ME I WAS CORRECT SO CONVEYED THE GENTLEMAN THAT I DON'T WANT COMMIT A FRAUD .
    ONE FINE MORNING A COURIER GUY BOUGHT THE CARD WHICH I POLITELY REFUSED TO ACCEPT AS I HAD INTIMATED THE CUSTOMER SERVICE EXECUTIVE THAT UNLESS YOU SEND ME THE DETAILS OF
    1. THE DELIVERY OF CARD WILL BE AT XYZ ADDRESS & THE ADDRESS IS ACCEPTED BECAUSE TOMORROW SOME OTHER WISE EMPLOYEE OF THE BANK SHOULD NOT OPEN UP QUERRY TO PROVE HIS WORTH & CAUSE THE DEATH OF THE CUSTOMER.
    2.WHAT ARE THE LIABILITIES OF BANK TOWARDS THE CUSTOMER FOR
    TORTURING HIM CONTINUOUSLY ON PHONE
    MISLEADING HIM & HIS QUERRIES
    CAUSING SEVERE FRUSTATION TO THE CUSTOMER PURPOSEFULLY
    CALLING THE CUSTOMER WITHOUT PRIOR APPOINTMENT AT ANY TIME
    WHAT ABOUT THE LOSSES DUE TO THE 17000 OR SO RUPEES WHICH COULDN'T BE TURNED OVER DUE TO THE HDFC EMPLOYEES MISTAKE
    3.IT WAS SURPRISING THAT I GET ALL THE MAILS CORRECTLY I GET THE PROMOTION OFFERS CORRECTLY ON THIS SAME ID AGAIN THERE WAS ENQUIRY IN REALY DESCENT WORDS THRICE BY SOME MADAM ABOUT MY EMAIL ADDRESS.
    4.BEING A LIFE MEMBER OF THE HUMAN RIGHTS ORGANISATION ,CONSUMER CONSORTIUM & A TRUE SELFLESS WORKER FOR THE CONSUMERS / CUSTOMER'S RIGHTS I HAVE PUT MANY PEOPLE ON THE TASK TO STUDY AND CORRESPONDENCE WITH THE BANK CAN BE FETCHED TO THE PRESS AS PER MY WILL & THE RIGHT ENTRUSTED BY THE CONSTITUTION TO ME AS THE CITIZEN OF THE DEMOCRATIC COUNTRY INDIA.AS I DON'T WANT TO HIDE PLEASE BE INFORMED ON THIS ASPECT.
    5. THE CUSTOMER SERVICE MAESTRO WAS REALY KIND LIKE SANTA CLAUS TO PLEASE ME THAT THE BANK HAS ADDED FEW POINTS AS BONUS POINTS FOR THE CREDIT OF Rs 17000 .CONVEY MY THANKS TO HIM WITH A MESSAGE THAT I AM NOT A BEGGAR TO BE PLEASED FOR THE FEW POINTS I DON'T NEED THEM CAUSE I HAVE PERFORMED MY DUTIES & NOW I NEED MY RIGHTS .
    I BELIEVE IN MISTAKES CAN BE FORGIVEN BUT BLUNDERS MUST BE PUNISHED .
    6.FURTHER YOUR STAFF BELIEVES OR RATHER IS FUND OF DISCUSSING ISSUES ON PHONE ONLY PLEASE TELL THEM THAT THE CUSTOMERS HAVE OTHER WORKS LIKE WORKING TO EARN DUE TO WHICH THEY ARE ABLE TO AFFORD THE ONE WAY LEVIES OF THE BANK LIKE CHEQUE BOUNCING CHARGE , MINIMUM BALANCE CHARGE , HIGH VALUE CHEQUE CLEARING CHARGE AND HENCE THE HDFC EMPLOYEES SHOULD NOT DISTURB THEM WITHOUT PRIOR APPOINTMENT.
    7.MY OFFER STILL OPEN IF THE PEOPLE DEALING WITH MY COMPLAINTS ARE GENUINE TO THE CAUSE THEN I AM READY TO BEAR THE
    A] AIR TICKETS TO & FRO UPTO AURANGABAD FROM ANY DESTINATION IN INDIA
    B] ONE FULL DAY STAY IN HOTEL RAMA AURANGABAD
    C] AIR CONDITIONED TAXI SERVICE TO & FRO TO JALNA TO DISCUSS WITH ME ABOUT MY COMPLAINTS AND ONCE FOR GET ME RID OFF FROM THIS PHONE TORTURES WHICH HAS LED TO
    1.IMPARING OF HEARING
    2.CONTINUOUS HEAD ACHE .
    3.INCREASE IN BP.
    4.ALWAYS FRUSTATED MOOD AFFECTING MY DAILY WORK
    5.BEARING TORTURES OF THE BANK PEOPLE HAS CHANGED MY WAY OF DEALING WITH PEOPLE THAT I HAVE STARTED FROWNING FREQUENTLY.
    PLEASE FOR GOD SAKE ASK YOUR CALL CENTRE PEOPLE THAT PHONE ARE FOR TALKING FOR MINUTES & NOT HOURS .
    THIS ALL AS TIME IS RUNNING OUT ABOUT THE CURRENT COMPLAINT SITUATION YET BE ASSURED I AM CONFIDENT THAT HDFC IS NOT A RESPONSIBLE BANK AS THE COMPLAINT OF GUNDAS COMING FOR RECOVERY WITHOUT ANY REASON AND ASKIN ME COME TO CHOWK WAS CONFIRMED IN PERSON WITH THE HDFC AMRAVATI BRANCH MANAGER IN 2004 YET NO REPLY SO MUCH RESPONSIBLE IS HDFC THE GREAT & ESTEEMED BANK OF INDIA .THE EMPLOYEES ARE IN ILLUSION THAT WHAT CUSTOMER CAN AFFECT THEIR GREAT STRENGTH OF THE BANK THEY ARE ALSO RIGHT .HENCE THE JUSTICE IS FLATLY DENIED I SAY LIKE THIS BECAUSE MAY I HAVE LEARNT IT WRONG IN MY CHILD HOOD THAT " JUSTICE DELAYED IS JUSTICE DENIED "
    CERTAINLY HDFC HAS DENIED ME THE RIGHTFUL JUSTICE ALONGWITH THE GIFT OF TORTURES , FRUSTATION , FORCING ME TO LEAD TO COMMIT FRAUD UNKNOWINGLY, THE RECOVERY GUNDAS ASKING ME THAT WHEN I WAS NOT CAPABLE RATHER IN THEIR WORDS " SAALE TERI AUKAAT NAHI THEE TO CREDIT CARD KYO LIYA " HERE PLEASE UNDERSTAND THAT MY AUKAT OR STANDING WAS SUBMITTED IN TERMS OF THE PAPERS AGAINST WHICH I WAS GIVEN THE CARD THEN WHO ARE THESE HULIGANS GUNDAS AS COLLECTION AGENTS TO THREAT ME ME IN SUCH WORDS AND YET AFTER CONFIRMATION IN PERSON FACE TO FACE ALSO INFORMING Mr SHAILESH WHO WAS LOOKING THE CARDS RECOVERY IN NAGPUR ALSO IT IS RIDICULOUS WHY THE AMRAVATI BARANCH MANAGER HAS NOT TAKEN CARE & CONVEYED ME THE ACTION TAKEN .
    THANKS.
    BECAUSE I HAVE BEEN BROUGHT UP WITH A STRANGE PRINCIPLE THAT
    On Wed, 22 Oct 2008 HDFC Bank Credit Cards Support wrote :
    >Dear Mr Patil,
    >
    >
    >This is further to your email dated October 20 2008, and subsequent
    >conversation with my colleague, Ms. Poonam Khatri
    >regarding your credit card account.
    >
    >We take this opportunity to inform you that we are looking into the
    >concerns expressed by you and will provide our detailed response to you within
    >seven business days. We request you to bear with us in the interim
    >
    >Assuring you of our best services always.
    >
    >Regards,
    >
    >Shalini
    >Deputy Manager Correspondence
    >Customer Services – Credit Card
    >
    >—–Original Message—–
    > From:
    >
    >punjaji@rediffmail.com
    > (punjaji@rediffmail.com)
    >Date:
    >Monday, October 20, 2008 07:58
    > AM
    >To:
    >customer_service@hdfcbank.com
    > (customer_service@hdfcbank.com)
    >Subject:
    >
    >Complaint/Feedback for – Credit
    > Cards NET.CS.Hpg
    >—————————————————————————————–
    >Customer
    > Type : Resident Indian
    >Customer Name : PUNJAJI S PATIL
    >Country :
    > INDIA
    >City : JALNA
    >Residence/Office No. :
    > 02482-235253-Ext.
    >Mobile No. : 9423959043
    >Email ID :
    > punjaji@rediffmail.com
    >Product about which Complaint / Feedback :
    > Credit Cards
    >Other Product about which Complaint / Feedback :
    >Your
    > Complaint / Feedback (s) : 1.Do you know that your employees compell the
    > customers to create fraud purposefully & then harass them . 2.As you
    > have all fixed penalties like Rs.700 for bouncing of Cheques etc do you
    > have the rules for the liabilities to be born by the bank for the mistakes
    > of the bank & bank's employees . 3. Do oyu agree that your branches
    > sends gundas for the recovery collection which is not over due & these
    > hooligans talk very raw at home or on street with the customers .
    >Are
    > you HDFC Bank's Customer? : Yes
    >Relation with Bank : Credit Card
    > Holder
    >Account / Credit Card / Loan Account No. :
    > 4346781000454967
    >Branch Name :
    > AMRAVATI
    >——————————————————————————————
    >"Disclaimer: The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise .The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd. "

Leave a Reply