My credit card number 4384 5999 9072 6639 which I was using from Nov 2007 is expired on Nov, 2009. I was about to request for cancelation of my card, since I was not happy with the services of HSBC. I mantained zero purchase on the card from July 2009 by clearing personal loan earlier. They have not returned the interest as I have cleared earlier but in Dec 2009 I got an Email stating I have to pay Rs 2000+ as part of annual charges and so. Why should I pay when I am not owning any credit card? Let me know how to deal with a company that don't have basic ethics in bussiness. Regards, Krishna read full review »