PNC Secured Credit Card: Available or Not?

Q: I am 5 months post-bankruptcy and want to get my credit back on track. Can you tell me why the PNC Bank credit card application is not available on their website, at least from what I see? Do I need to apply in-person for it?

A: I didn’t see it up there either, but I did use the search function on their website. Using “secured credit card” this is what it will show you:

Pnc credit card customer service

The first one they’re talking about are secured business loans (obviously not what you want). If you click on the second one it takes you to a page linking to 3 credit card agreements; Standard, Visa Signature, and Secured. The last of which shows…

Pnc credit card customer service

Underneath that table it talks about the $36 annual fee, the minimum security deposit ($250), the interest rates, and other information for the PNC secured credit card. But how do you apply? Well, watch out because you might get the wrong answer depending on the source.

Upon doing a little Googling, I see a number of websites (such as Yahoo Answers) which say that PNC Bank no longer offers this card. Some even go so far in their answers/reviews as to say the reasoning is “probably” because National City cancelled their secured card program, so when PNC bank acquired them a few years ago they also axed the card. That information is incorrect.

I went straight to the horse’s mouth to find out what the deal was by calling customer support. They confirmed the card is still available. To get it though you will have to fill out the application in person at a branch.

A $36 annual fee is very reasonable. The minimum security deposit is $250 and the max is $2,500. However there is one potential drawback to be aware of:

  • These accounts do not graduate to unsecured on their own. If you ever want to try and get an unsecured card, you will have to try applying for a new account.

But that aside, this secured Visa card appears to be a great option to start with. Get that and perhaps one other good secured credit card and start using them to rebuid.

In fact, PNC is one of the few major retail banks that still offers these. The Chase secured credit card was discontinued and several of the other big guys have done the same with theirs. So it’s nice to see PNC hasn’t put there’s on the chopping block yet. It’s too bad they don’t advertise it because this is one of the better deals out there.

pnc credit card customer service

Pnc credit card customer service

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Pnc credit card customer service

Pnc credit card customer service

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Pnc credit card customer service

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Pnc credit card customer service

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HDFC Bank Credit Card Customer Care

Pnc credit card customer service

HDFC is one of the leading private sector banks in India and one of the largest credit card issuers in the country. HDFC Bank was incorporated in 1994 and provides a range of wholesale and retail banking services.

HDFC Bank’s customer care system covers all kinds of enquires. You can contact the general enquiry number for any kind of queries including questions on the due date of your credit card bill, or if you simply want to know your current credit limit. You can contact the HDFC Credit Card toll free number or the general enquiry number for all your questions.

If you have a specific query about your credit card and want to contact the HDFC Credit Card Customer Care department, below is a list of HDFC Bank 24 Hours Customer Care Number Customer Care nos. (for general enquiries). Further below is the HDFC Bank Credit Card Customer Care numbers (for queries related to credit cards).

All customer care IVR transactions are available 24x7 and agent-assisted services are available between 8.00 am to 8.00 pm on all days.

HDFC Bank Customer Care Toll Free Numbers: City and State-Wise for General Enquiries

If you want to access HDFC Bank Phone Banking customer services from anywhere in India, either from a Landline or Mobile phone, you can dial any of the following Phone Banking Numbers. Following is given a list of numbers which you could call should you need to talk to the customer care department.

For Credit Card related enquiries:

HDFC Credit Card Customer Care Toll Free Number 1800 425 4332

In case of loss / theft of your Credit/Debit Card, you can immediately call the 24 x 7 HDFC Bank Card Customer Care no. at 1800 425 4332 and report the theft. It is important to report immediately to help avoid any misuse or fraudulent transactions on your card.

You can call on the mentioned number from the following cities: Agra/ Ajmer/ Allahabad/ Bareily/ Bhubaneshwar/ Bokaro/ Cuttack/ Dhanbad/ Dehradun/ Erode/ Guwahati/ Hissar/ Jammu and Srinagar/ Jamshedpur/ Jhansi/ Jodhpur/ Karnal/ Kanpur/ Madurai/ Mangalore/ Mathura/ Meerut/ Moradabad/ Muzaffarpur / Mysore/ Pali/ Patiala/ Patna/ Rajkot/ Ranchi/ Rourkela/ Salem/ Shimla/ Siliguri/ Silvassa / Surat/ Trichy/ Udaipur/ Varanasi.

Credit Card related services are available 24 hours on all days including Sundays and Bank holidays.

For Mutual Fund or Investment Services Account related services:

If you have an enquiry related to mutual funds or investments services, you can call the Toll Free number at 1800 22 1006 or (022) 6160 6161 (not toll free) between 9:30 am to 6:30 pm on weekdays and 9:30am to 1:30 pm on Saturdays.

For Credit Card related queries, you can write on the following address:

By regular post

Manager, HDFC Bank Cards Division,

Thiruvanmiyur PO Chennai - 600 041

Manager, HDFC Bank Cards Division,

# 8, Lattice Bridge Road, Thiruvanmiyur,

Chennai - 600 041

For products (other than Credit Cards) you can write to the following address:

New Bldg; "A" Wing 2nd floor,

26-A Narayan Properties, Chandivali Farm Road,

Off Saki Vihar Road, Chandivali,

Andheri (East), Mumbai- 400 072

HDFC Bank Credit Card Customer Care - International Toll-Free Numbers:

If you are an NRI wishing to contact HDFC Bank, you can contact the bank using the 24 x 7 Customer Care number. Following is given a list of the NRI phone banking nos. from various countries.

If you are an NRI wishing to open an HDFC account, you can leave your details with the bank using the online form and the bank will get back to you. NRIs can take advantage of the Click 2 Talk facility which is absolutely free.

In case you want to leave your feedback with the bank, you can call the HDFC Bank 24 Hours Customer Care Number and talk to a customer care representative with regards to your feedback.

If you have any grievance or complaints you wish to file, you can do so in any of the following ways:

  • The first step would be to contact the customer care in any of the following ways:

-By calling the customer care 24x7 contact numbers

-By writing to HDFC Bank on the address mentioned on their website

-By e mailing the customer care using their online form which is available on their website

-By visiting your nearest branch and registering your complaint with the Branch manager, detailing the nature of your complaint.

  • If the resolution provided at level one is not satisfactory, you can approach the Grievance Redressal Officer either through email using the online form, or by calling on the numbers mentioned below:

    -HDFC Call Centre Toll Free number from BSNL / MTNL Landline:

    1800 22 4060, available from Monday to Friday 8.00 a.m. - 8.00 p.m., Saturday and Sunday 8.00 a.m. - 4.00 p.m.

    -Grievance Redressal Officer (Banking Products): 022-28569303, available from Monday to Friday, 9.30 a.m. - 6.30 p.m., Saturday 9.30 a.m. - 1.30 p.m.

    -Grievance Redressal Officer (Credit Cards): 044 - 23625600, available from Monday to Saturday, 9.30 a.m. - 5.30 p.m.

    -Grievance Redressal Officer (Demat Account): 022-28569303, available from Monday to Friday, 9.30 a.m. - 5.30 p.m.

  • If the resolution provided at level two doesn’t satisfy your requirement, then you can escalate the issue to the Principal Nodal Officer (PNO). You can use the online form to submit your complaint, or write to the Principal Nodal Officer at the addresses mentioned on their website.
  • In case you have not received the expected level of service from the bank or you haven’t received any resolution within 30 working days, you may directly approach the Banking Ombudsman appointed by the Reserve Bank of India for redressal.

    The HDFC website contains a comprehensive list of address and numbers if you wish to get in touch with the bank. Just log on to the website and click on the “Locate Us” link. You can search and refine to find the address of your desired HDFC bank branch. Following is the corporate and registered address of the bank:

    HDFC Bank House

    1st Floor, C.S. No.6/242,

    Senapati Bapat Marg,

    Mumbai - 400 013.

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