TO
PARAG RAO
CREDIT CARD DIVISION
HDFC BANK

SIR,

SUBJECT ———– REDUCTION IN CREDIT CARD LIMIT WITHOUT ANY INTIMATION TO CUSTOMER——————–

THIS IS TO INFORM YOU THAT I KULBIR SINGH R/O D-26, RAJOURI GARDEN, NEW DELHI-110027 IS HOLDING 2 (TWO) CREDIT CARDS OF YOUR BANK SINCE 7 YEARS. I WAS MAINTAINING VERY GOOD CREDIT HISTORY ON MY PART, WITHOUT ANY DEFAULTS OR FRAUDS OR LATE PAYMENTS.

1: ( 4346-XXXX-XXXX-5978) THIS CARD I AM HOLDING SINCE JUNE 2002 WITH CREDIT LIMIT OF 46,000/- GOLD CARD.
2: ( 4346-XXXX-XXXX-6073) THIS CARD I AM HOLDING SINCE JULY 2006 WITH CREDIT LIMIT 0F 30,000/- GOLD CARD.

FEW DAYS BACK I GOT MY CREDIT CARDS STATEMENT AND TO MY SURPRISE, YOUR CREDIT CARD DIVISION HAS REDUCED MY BOTH THE CREDIT CARDS LIMITS BY 50% THAT IS ( 23000/- AND 15000/- ) WITHOUT INTIMATING ME OR WITHOUT ANY WRITTEN DOCUMENT FROM MY SIDE. INFACT YOUR DEPARTMENT SHOULD HAVE INCREASED THE LIMITS OF SUCH A LOYAL OR GOOD CUSTOMER. I AM ALSO HAVING SAVINGS AND CURRENT ACCOUNT IN YOUR BANK. IF THIS IS THE KIND OF TREATMENT OR BEHAVIOR YOUR BANK PEOPLE ARE GOING TO GIVE, I AM AFRAID YOU ARE LOOSING A POTENTIAL CUSTOMER. KINDLY LOOK INTO THE MATTER AS URGENT NEED OF HOUR AND TAKE THE APPROPRIATE ACTION.

YOURS FAITHFULLY
KULBIR SINGH

91-9810349533