Hello,



I was holding credit card had got expired on December 2009 and HSBC has sent me renewal card without getting confirmation from my end. I was not aware about renewal of card and annual charges of the card. I got statement on Jan 2010 of rs 3000 and had contacted customer care service. Informed them to close my card and revert back my transaction. They ensured me to do so and close my card but didn’t revert back my amount. I started getting calls from Collection Department then again have contacted customer care service on 11th March. Again they ensured me to revert back my transaction. That’s why I didn’t bother to keep track of the account but again I started getting call from the collection department



Now amount has become 8000rs outstanding and collection department telling me to pay 8000rs otherwise I would be listed in CIBIL.

I am very disappointed with this behavior of HSBC. If I would have used the card on purchasing anything and then denying paying it could have make sense to me.

But I have not used the card and not even requested for the renewal of the card then why should I pay the amount.



I am holding credit card of 10 banks. You can check my records. I have never paid late payment fees or interest. Have not received complain from any bank as I am paying my credit card bills regularly.

I have not done any fraud to HSBC bank or any other bank. You can check my CIBIL record. I was holding loan too, have paid that honestly without any damn complain from other banks.



I didn’t understand policy of HSBC Bank which says to dispatch renewal card to loyal customer and charge with huge amount without getting confirmation or request from customer.

Once customer care executive had committed to revert back my amount then why this has not happened yet and getting calls from collection department.

Please adviceme some one