HSBC Credit Card
Non conversion of balance in to emi

As first time user i was unaware about how to inform you to convert bill amount in to emi's, i called up after i receive my statement in february, then your phone banking people refused to do so saying u need to call before you receive statement, some how i could manage to pay my total amount by 21 st april, otherwise all other statements regularly paid by me, i humbly request to consider my application waive off all extra charges still shows pending in my latest bill carried from feb till date