HDFC is one of the topmost names in the banking world in India. The bank has multiple variants of credit cards that can be availed by millions of cardholders. The credit limit for the cards issued by the bank varies depending on many factors like the credit score of the applicant, income of the applicant, etc. The credit limit and the balance of the HDFC credit card of the cardholder has to be checked regularly. This is to ensure that the cardholder can keep a check on the credit utilization ratio as well as clear any outstanding credit card dues on a timely basis.
There are multiple ways to check the credit card balance of HDFC Bank. These ways are discussed hereunder.
Ways to check HDFC credit card balance
HDFC credit card balance can be checked through online or offline measures. The process to check the credit card balance through each of the ways are explained below.
Checking HDFC credit card through net banking
The steps for checking credit card balance through net banking are,
- The first step is to log into the net banking account of the cardholder using the net banking user ID and password.
- The next step is to click on ‘Cards’
- The cardholder will be able to check the unbilled credit card balance from the dashboard
HDFC credit card balance check through mobile banking
The mobile banking app of HDFC Bank allows cardholders to check the credit card balance at any time and from anywhere. The steps for the same are mentioned below,
- The first step is to download the mobile application of HDFC bank.
- The next step is to click on the ‘Credit Cards’ option
- This section will display all the details of the credit card like credit card balance, unbilled transactions, credit card statement, etc.
Checking HDFC credit card through customer care service
The customer care service of HDFC bank is available 24×7 throughout the year for all the customers across the country as well as abroad. The customers have to contact the bank at their customer care number 6160 6161 after affixing the required STD code.
After this, the cardholder will have to follow the instructions as per the IVR after providing basic credit card details to check the credit card balance.
Checking HDFC credit card through SMS
SMS is one of the simplest ways to check the credit card balance of any cardholder. It is a time-saving mode and effectively saves the cardholder from a trip to the branch of the bank.
The cardholder has to send the SMS in the following format to 5676712.
CCBAL <SPACE> XXXX (last four digits of the card)
Checking HDFC credit card through ATM Kiosk
ATM Kiosk is another easier mode of checking the credit card balance of a cardholder. Cardholders can check the credit card balance through any HDFC Bank ATMs. The cardholders will have to insert their credit card in the card slot and then enter the card PIN to proceed. The next step is to select the option ‘View Statement’ to get the credit card balance.
Checking HDFC credit card through monthly statements
One of the simplest ways to check the credit card balance is through the credit card statement that is sent to the cardholder every month by the bank. The cardholder can get the details of the credit card balance as well as the minimum amount to be paid by the cardholder.
Checking HDFC credit card through the nearest branch
Checking the credit card balance through the nearest branch of the bank is an offline mode to check the credit card balance. This mode is often used by cardholders that are not as convenient as using any of the online modes mentioned above. The cardholder needs to provide certain basic details of their credit card to get the details of the credit card balance for the month or at any point in time.
HDFC Bank credit card balance Enquiry
It is important to enquire ofnHDFC bank Credit card balance bill to avoid defaults. Defaults can be detrimental to an individual’s credit score, and it’s essential to understand the most common reasons for them. Two of the most prevalent reasons are:
- Missing Payment Deadlines: It’s easy to forget about credit card bill due dates, leading to missed payments and penalties. Consistently missing deadlines can have an adverse effect on one’s credit score.
- Financial Crunch: Overspending and maxing out the credit card can lead to being unable to pay the bill when it’s due.
However, one can avoid these issues by regularly checking the credit card balance, statement, and due dates. HDFC Bank offers several ways for customers to do this, including checking their HDFC Bank credit card balance and HDFC Bank credit card balance status. By staying on top of the credit card usage and payments, a user can prevent defaults and maintain a healthy credit score. With HDFC Bank’s resources and support, managing one’s credit card has never been easier.
Conclusion
Checking the credit card balance is needed to ensure that not only the credit card dues are paid on time but also that the cardholder keeps the credit utilization ratio in check. This will help in maintaining the credit score of the cardholder that is essential for the financial health of the cardholder.
Frequently Asked Questions
Can the credit card balance of a person be checked online?
Yes. The credit card balance of a person can be checked online through the internet banking or mobile banking facility of the bank.
Can a person check the credit card balance through SMS from an unregistered mobile number?
No. Checking the credit card balance through SMS requires the cardholder to send the SMS mandatorily from a registered mobile number.
Can a person check the credit card balance from anywhere?
Yes. Credit card balance can be checked by the cardholder from anywhere using the online modes.
Is credit card PIN essential to check the credit card balance through an ATM?
Yes. Credit card PIN has to be input by the cardholder to get the credit card balance through an HDFC ATM.
