r/hdfcbank

I have a salary account in hdfc bank which was converted automatically in a savings account as I left my job some time ago and was not maintaining minimum balance, the balance now is in negative so what should I do should I physically go to the home branch and get the account closed? I already went to the nearest HDFc bank branch they said you need to go to the home branch to close the account because the balance is negative. Somebody told me that they will automatically deactivate it but actually I am starting a business so will it affect my civil score or reputatoins in front of banks for the future or anything like that? Please suggest what to do ?

I have a ₹48k limit HDFC Swiggy CC and ₹23k outstanding in 4 EMIs. Currently ₹25k limit is available.

If I pay ₹10k → ₹35k available, buy a ₹35k phone, then pay another ₹10k, will this cause any issue?

Will the ₹10k payment affect/prepay my existing EMIs, or will they continue normally?

So basically last year, I had a hdfc salary account with mnc so in tenure of 3 months I got pre-approved pixel play ltf, other cards were paid I took it unknowingly, now after 3 months I had switched my account to different one so I needed to close hdfc, after 1 year I tried getting core cards but I'm getting rejected every now and there.

So if I get a regular hdfc account can I get a core card now, I have not closed my pixel card.