Bank would not say in writing what my credit limit was

Bank · Credit card · credit-card information

Complaint no.: N202627016015529
Against: HDFC Bank
Filed: 16 Aug 2026
Closed: 23 Sep 2026
Time taken: 38 days
Scheme: RB-IOS 2026
Closure clause: 14(8)(e)
Did it help?: Partly helped
Compensation: None

What happened

During a limit-enhancement request I asked a simple question, what is my total credit limit, and could not get a direct written answer.

What I asked the Ombudsman for

A written statement of my credit limit, and compensation for two months of non-answers.

What the entity said

The bank said limits are shown in statements, net banking and the app, and are not put in the body of an email for confidentiality. The enhancement was awaiting my consent.

My reply to the entity's response

One point only: the bank has still not stated my total credit limit.

Did the closure deal with it? Yes.

What the Ombudsman decided

The Ombudsman observed that the bank had never actually told me where to find the information, and advised it to send that along with an apology letter. The bank did so on 23 September 2026.

Partly helped

Did the Ombudsman help?

Partly. The office asked the bank its own questions and advised an apology, which shows the file was read. There was no finding on the delay and no compensation.

What I took from it

A written apology on the Ombudsman's advice is a real outcome. I kept my rebuttal to one point: the bank had still not answered the question.

Summarised from the RBI closure letter and my own correspondence. Names of individuals, account numbers and reference numbers other than the complaint number have been removed.