Dear Sir/Madam,
I have been issued a credit card from HSBC (card no.4384 5999 9287 2399) as a free card. At the time of applying for the credit card as well as at the time of telephonic verification, I had orally confirmed that the cards were life time free cards. However, recently my card account has been debited with annual charges. When contacted, the officials in HSBC now say that HSBC cards are not life time free cards and it is subject to annual charges and that it has been mentioned in the tariff card of the credit card service guide.
It is a matter of common sense for me that when all the other banks are offering life time free cards from around five years back, why would one customer go for a paid card? The point is that at the time of issue and verification of credit card I have been cheated by telling that the cards are life time free.
It is true that when we do not have the chances of getting a free card in any other bank then we would go to a paid card.
When i received SMS 23/11 saying total payment of 27271 and as per the calculation it should have been Rs.24500 .
i gave a call to customer care said some extra charge have been added to my card and Customer care person replied your card is not free card (which is cover in above paragraph) and they calculated inserted for which i already paid for Rs.20000 and i requested to block the card and i asked for reversal of extra charges interference no (301120096899) but no action is taken yet.
I faced same problem last november'08 they charged me with annual fee. Please look up the break up charges.
Can you help me on this... Also is there any RBI rule on interest charges which these bank can charged by these bank
With a great difficulty I'm paying your dues but you people are making my life very difficult.
I used to receive call from your collection department every day at least 20 times regularly but i used to explain the problem daily but still they use to ask same question and give same reply for my problem..
Which really disturbed my regular life. Please instruct your staff / call center not to harass over phone.
I holed payment due to above reason.
Again I would like to request you please reverse the late fee for last months, annual fee and extra intrest charge as charged in the statement. Based on your response I shall make the payment and reconsider my decision whether to continue with the card or not.
Regards
Gnanakumar. P
0 comments