Dear Concerned,
My HSBC credit card number is 44769254 9842 1507. This card was last used in 2006 and a payment was also done, though on the last date of the payment due date. Upon receipt of the bill the next month, I saw there was late payment charge in the statement. I immediately called up the customer care and explained them the situation, however as per the executive on the call, the payment must have been made atleast 2/3 days prior to the last date. On which i explained that even other cards give a grace of atleast 2 working days after the last date of making payment.
Anyways to my surprise she was not convinced and I clearly requested her to reverse the charge and I promised to be careful in future. After that day, I have not used the card a single time and that 350 odd late payment charge has become Rs.10 K now and every now and them after 3/4 months some jerks call for payment and I explain to them every now and then that there are no real charges due on the card and if they want me to pay, they must show me the charges that have been incurred by me and not paid, even if a single dime other than that late payment, I would make not just full payment but even extra. But no one is able to provide it to me. I have also requested them to discontinue the card, but they disagree. Now I'm extremely irritated with this. Please advise the way out as I'm planning to visit a Legal help for this issue.
Regards
Shruti Garg
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