HDFC Bank Credit Card Application Delay Complaint – Mahesh Hundre

Mahesh Hundre reports severe delays and lack of communication for his HDFC Bank credit card application. Full complaint, escalation guide, and consumer rights explained.

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Complaint Summary : HDFC Bank Credit Card Application Delay Complaint – Mahesh Hundre

Full Complaint Details

Mahesh Hundre, a Business Analyst at Trinfinity, applied for an HDFC Bank credit card on 29th July 2025. Despite submitting all required documents and the declaration form, he has not received the card even after over two months.

Key Issues Faced

1. Excessive Delays – The application has been pending for more than two months, which is far beyond standard processing times.
2. Repeated Document Requests – Even after submitting all documents, HDFC Bank repeatedly asked for the same paperwork without clear explanation.
3. Poor Communication – Calls to customer care failed, and no representative provided assistance. Dates given for updates were continuously postponed.
4. Transparency Issues – Mahesh is kept in the dark regarding the status of his application, causing frustration and inconvenience.

Impact on Complainant

• Time Wastage: Repeated follow-ups with no resolution.
• Financial Planning Disruption: Delays in card issuance affect credit availability and financial operations.
• Mental Stress: Lack of communication and repeated document requests caused unnecessary stress.

Mahesh requests immediate intervention from HDFC Bank to resolve the issue without further delay.

How Choice4Voice.com Can Help

Choice4Voice.com can assist Mahesh by:

• Publicizing his verified complaint to bring visibility to the issue.
• Highlighting HDFC Bank’s poor service for accountability.
• Guiding him through formal escalation to the bank’s grievance redressal officer or RBI Banking Ombudsman.
• Providing pre-drafted templates for official complaint letters, RBI escalation, and consumer grievance filings.

Applicable Legal and Regulatory Framework

Step-by-Step Guide to Resolve Credit Card Delay

1. Document Everything:
   Keep all emails, acknowledgment receipts, application forms, and screenshots.
2. Raise Formal Complaint:
   Send a written complaint to HDFC Bank Nodal Officer or Customer Care stating reference number and dates.
3. Escalate if Unresolved:
   Contact HDFC Bank Grievance Redressal Cell or approach the Banking Ombudsman via RBI’s portal.
4. Use Choice4Voice.com:
   Share verified complaint publicly to increase pressure for faster resolution.
5. Legal Recourse (if necessary):
   If no action is taken, escalate to Consumer Forum under Consumer Protection Act, 2019 for delayed services.

Complainant Author

Name: Mahesh Hundre
Position: Business Analyst
Source: Public LinkedIn post

Q&A About Credit Card Application Delays

Q1. How long should a credit card application take in HDFC Bank?
A1. Typically, 7–15 business days after submission of all documents. Beyond that, it constitutes a delay in service.

Q2. Can HDFC Bank repeatedly ask for the same documents?
A2. No, once submitted and verified, repeated requests are unjustified and indicate poor internal process or negligence.

Q3. What should I do if my application is delayed?
A3. Immediately raise a formal complaint with reference number to the bank’s nodal officer.

Q4. Can the RBI intervene in credit card delays?
A4. Yes, the Banking Ombudsman under RBI guidelines handles complaints related to delayed services.

Q5. Are verbal assurances from bank staff valid?
A5. No, only written confirmations or formal communications are legally recognized.

Q6. What proof should I maintain for my application?
A6. Keep all documents, emails, acknowledgment slips, and chat transcripts for escalation purposes.

Q7. Can repeated delays be considered consumer rights violation?
A7. Yes, under the Consumer Protection Act, 2019, delay in providing services promised constitutes a violation.

Q8. How can I escalate internally within HDFC Bank?
A8. Contact the Grievance Redressal Cell and the Bank’s Nodal Officer for complaints.

Q9. How long does the Banking Ombudsman take to resolve complaints?
A9. Typically 30–45 days, depending on complexity and bank response.

Q10. Can I claim compensation for inconvenience?
A10. Yes, the Ombudsman may award monetary compensation for distress and loss due to delays.

Q11. Does lack of communication strengthen my case?
A11. Absolutely, poor communication is evidence of service deficiency.

Q12. Can repeated document requests be reported to RBI?
A12. Yes, it shows failure to comply with banking procedures, justifying escalation.

Q13. Can I use social media to resolve such issues?
A13. Yes, public awareness increases pressure on banks for timely resolution.

Q14. What if my complaint is marked resolved without action?
A14. Reopen it, escalate to Nodal Officer and then to Banking Ombudsman.

Q15. Are all HDFC Bank branches accountable?
A15. Yes, all branches and the head office fall under RBI oversight and Consumer Protection Act.

Q16. Is it legal for banks to provide vague update dates repeatedly?
A16. No, it is considered deficiency of service under consumer law.

Q17. Can RBI mandate faster processing?
A17. RBI can issue directions and compel the bank to resolve delays.

Q18. Should I pay additional fees for delays?
A18. No, delays do not justify any extra charges.

Q19. What is the first step if customer care is unhelpful?
A19. Immediately contact HDFC Bank Nodal Officer in writing.

Q20. How can Choice4Voice.com help in this case?
A20. Publicizes verified complaints, guides escalation to RBI Ombudsman, and provides legal templates for fast and effective resolution.