Should I downgrade my HDFC special gold account to regular before I apply for classic banking?
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RM advises not doing it as it will affect her portfolio but I read that classic accounts with special gold gets downgraded easily for not maintaining 1 lac. She assure that this won't be the case as it's up to her to downgrade the account.
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asking for help @sujith8786 @prem4998 @Fanil @Manitian
My RM insisted me on opening gold speciale + classic but I only wanted normal or SB max + classic so I went with SB max + classic. Ask her to make your account zero balance. If she does, then no worry for non maintenance and u can keep the gold + classic without maintaning 1L but you need to actively use the account for transactions to keep the classic relationship.
I don’t see any benefits for classic account apart from zero balance. Just for this benefit only, I have even converted my spouse account to classic family as well. Anyway I don’t keep much balance due to lesser Interest rates.
My dad has classic account and for my sister’s account opening the bank person came to our house.. apart from that you get free debit card, easier and more pre-approved credit card offers
Does it matter what my account type is before I get into classic banking ? My mom’s account RM says I should change my account from youth to regular before keeping it as main account for family group. Does it matter what my account varient is and should I change my youth account to regular or max before joining classic banking ? @sujith8786 @prem4998 @Fanil @Manitian
Can’t help here. Unfortunately I don’t have much info here
I got preferred banking invitation via WhatsApp shall i accept or reject it.
Minimum balance criteria is 2lakh, but my account is zero balance salary account.
https://www.hdfcbank.com/personal/save/high-net...
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What is classic banking? Benefits