by Nirupam Biswas

The HDFC scumbags.

I got a call from HDFC saying that I am being offered a Credit Card which has no renewal fees. I needed one but only for international online transactions like paying for this server, but didn’t want to incur any additional maintenance charges. Well so, I inquired and was assured that there are NO MAINTENANCE charges.

But the telemarketing scumbags of HDFC didn’t reveal then that there is indeed an annual charge for dormant cards of Rs.400. Well as it turns out if you do not make total transactions of minimum Rs.50000 per year then your card is dormant! This is exact reason for which I turned down ICICI credit card even though I have bank account there, but at least they were very clear and truthful about this.

HDFC you got me. Now I am now thinking of getting other bank’s credit card (maybe ICICI, even though it costs Rs.100 more), and will get out of this shitty bank.

by Nirupam Biswas

Important links for HDFC Credit/Debit Card owners.

HDFC Credit Cards are good but their site suck, at least the site navigation and the number of places you need to register. Below are the vital links that every HDFC Credit Card users must bookmark.

Credit Card Important Links:-

Debit Card Important Link:-

by Nirupam Biswas

Cold night

It is 3am in the night. I am still wide awake and have pulled back the window shades to let the cold winter air come in. Dunno what but there is something magical about cold winter nights. Something inside me likes cold nights like this. I catch cold quite soon but still the cold wind of the night appeals quite a lot to me. I get a rush of emotions on nights like this. Dunno what causes them but anyway it feels great. With these emotions songs like Oasis’ Wonderwall gels well. Aah, come December I can’t wait to feel ur intensity.