HDFC bank and its customer service is the worst of its kind in India. I have been a customer of this pathetic bank for over 5 years and they would treat you like your worthless. I made a huge mistake of opening an FD through phone banking back in Jan. 2-3 days later i wanted to close it due to an urgency but their stupid reps at the call centre told me i would have to go to the bank to do that. Somebody ask these idiots why in hell would a busy person take time out to go to the bank to undo what he did over the phone. Oh i definately will go to the bank but that would be only to close my account with this crappy bank not to close my FD. Whats even more pathetic is their refusal to acknowledge any complaints they receive. I dropped my list of concerns in their drop box around a month back and ive still not received any response. ICICI your lucky cos im coming your way very soon and HDFC i hope you burn in hell..!!