Between the credit cards and those high-interest loans, I'm feeling the pressure. I wonder if I should focus on a debt consolidation plan or negotiate my current rates before trying to get more credit. Getting my CIBIL score up first is probably the smarter move, right?

Thanks for the reply. I already filled the complaint; hopefully, I will get rid of this issue very soon.

When I opened a savings account with HDFC Bank, the advisor convinced me that there would be no fees for keeping a balance less than the minimum required in the first year. But after 2 months, when I checked my account, I noticed they deducted some amount from my account. Once I reached out to customer service, they insisted they had misled me. I am considering filing a complaint with the RBI. The RBI website's straightforward procedure makes me hopeful for a fix. Is there anyone who has experienced this type of problem? How many days will it take to resolve my issue?