uday bhaskaran 18 February 2018
Suneet Gupta (www.vashiadvocates.com) 20 February 2018
One should never have a Savings account in a Bank from which you have a Credit Card. Always have separate Banks for taking a loan (Credit Card, Home Loan, etc.) and for keeping your deposits (Savings Account, FD, PPF, etc.)
A Bank has a general lien on all accounts of a customer to whom they have given a loan. Therefore, technically, HDFC Bank can freeze your Savings and Salary Account, if there is any defaulted loan outstanding against your name (e.g. in this case the unpaid Credit Card bill).
In any case, HDFC Bank is one of the worst Banks when it comes to obeying the rules in favour of customers, and the best when it comes to enforcing rules against them. Best of Luck fighting with them.