Credit card charges

Location/place: Meerut

Name of company/service: HDFC Bank

i have taken credit card of HDFC bank, their executive (Jaya) Call me & told me about the credit card features & charges, she told me that yearly charges would be 500 rs & if you will swap your card any where within 2 month than this charges also will be waive off, now when i got the invoice from them they charged me 1684rs. when i contact their nodal officer they refused to waive off that charges,


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