I was offered a Gold credit card life time free in 2005 when i used to reside at Mumbai / Thane. I had used the same card for almost 3 yrs with minimum transections & making all the payments on time. Since day on day uses for the said card went down due to its very limited requisits i hardly than used to make a use of it. The credit card as u know is there to take care of our credit needs when ever being required.
In 2009 August i shifted to Gujarat and there was no usage of the said card for months to gather. In the month May- june i came to know that the said card outstanding was showing balance of Appx Rs 5000. I had contacted the customer care for the same where i confirmed with them abt my outstanding purchases which was not paid by me. Their customer care executive confirm me that there was no purchases out standing but the o/s amt was of the Annual fees levied. I had an argument with them regarding how this charges were applicable to me as for more than 4 yrs my cards statment didnt had any annyal fees as the had commited me the life time free cards. Now again in the month of Sept they had issued another statment which now showed the o/s amt of Rs 7000 for the interest cost over the previous amt on cumulative basis. I again had called up the HSBC customer care where they said that th said card is already blocked since Jan and now i need to pay the amt of outstanding to get rid off such adding of charges to my ac. I was suggested to called up the collection dept on 022 - 66667070 to further seek some help from them. I had called up on the same number on 06/10 and had a word with Ms. Renuka and had gone through all the story. She was like the waive off for the same was not possible andi have to pay off this amt as the same will creep up on month on month basis. But i than refused to pay off the same letting her know that there was not a single penny o/s from my end as far as the pruchases on the credit cards are concerned and the amts of annual fees were purely levied as i was not using that card.
Pls let me konw wat to do against the same as these amts are going to creep up day by day.
I need to get a help from ur side.
Regards,
Chirag
093770 35545
0 comments