Hi
I have used an HSBC credit card and it got expired in 31/12, and i have last used my card in january and have converted the amount into 24 Months EMI, I have completed all my EMI, s In Time but there was some late payments due to the fact that my salary gets credited on 1st of every month and my due date falls on the same date so i ratherer missed to pay by 1st couple of times which resulted in attracting late payment fees
Actual amout i swiped was for 10500 and i have converted it into 24 months EMI so with intrested it came to 15k odd
I have paid all my EMIs
but now I am getting a Bill for another 10K which is ridicules, its like old time goons lending money and charging 4 times the actual amount, i want to settle this issue, and also they have despacted the replacement card after the expiry which i havent requested
when i called them they informed me that its been received by someone, and since i said i have not received it they would go ahead and block the same . they also gave a disclaimer that they wouldnt be responsbile for the card that has been regenrated ..really absurd answers and after using such cards i request every one not to use Credit cards that to banks like HSBC if not any banks
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