I had taken on an HSBC credit card as the salesmen had come to my office in Bangalore. They said it was a free card with no annual charges.I only used it once to pay for a 200 bill and I put in a check for the same amount.Ater 6 months they sent me a bill of 250 as some minimum account charges . I dont know exactly what it was but it was a fee they were charging me! I called them and said that I was told it was a free card!They said that this has to be paid. I refused to pay as I did not sign up aware of this fee!
I moved to Pune and after a few months I called them to tell them I had changed my address. The customer care did not update my addres and I never got any bills!. I called again after few months they told me that the late fines and all had added upto Rs3000 now! I was absolutely shocked! They never mailed me any bill at all.I again told them I had moved why haven’t they updated my address, hey said I had to submit a proof. Why didn’t the customer service tell me this 6 months ago? I wrote many mails complaining to them and refusing to pay these bills as I was not at fault. I will never use HSBC again.
I have an excellent relation with ICICI credit cards even if I’m late in paying, I get all the bills and I know that I have to pay, if its my fault of course I will pay!