HDFC Credit Card - False promises

A HDFC marketing agent sold the credit card to me on the promise that

the there would be no "Annual/Membership fee". I was shocked to find

that i was charged Rs.771.40 towards "Membership Fees" in my first

statement (dated 10th March 2005). When i contacted the customer care,

the officials suggested that my card application was not on "Life-time

Free" offer as per their records and that i'm required to pay the fee to

avoid late payment charges. I had no option at that time but to pay to

avoid late payment fees. I was subsequently charged for the following

year's "Annual Fee's" too.

They don't have online banking for Credit Card customers and the

customer care officials are the rudest i ever encountered.

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