I was issued a HSBC credit card some years ago, under a scheme wherein no yearly charges are applicable, whatsoever. For the last 2-3 years, I have not been charged any annual fee. I have not had any outstanding payment either.
In the last few months, I have not been using the credit card much and thought of cancelling the same. When I communicated the same to HSBC bank, they immediately levied some “yearly charges” to the tune of more than three thousand rupees. They then asked me to pay that amount and only then they will cancel the card. When I contacted them again and stated that I was given a free card without annual fees, they refused to acknowledge the same. They said that their brochures and other ads show changes in plans and that I should be aware of the same. I have the communication thru email, stating the above facts.
Please advise me on how I can take this ahead.
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