I have a HDFC International Gold Card and needed a personal loan against my card. Since I used the full credit limit of my card, I had to pay 25% of my credit limit in order to get my loan sanctioned. After the payment I called the credit department to send me an up to date card statement as needed for the loan. But the personnel (Preeti Sengupta) told flat on my face that there is nothing that she could help me with before my next statement date, which was another 25 days later. Unfortunately I needed the loan immediately and couldn't wait that long. It was a bitter experience of how unfriendly a bank could be to it's customers.