Credit Card no: 4476 9299 8087 9404 I was holding this HSBC credit card in India with NO ANNUAL fees. I ripped my Credit Card before I left for US 2 yrs ago and had no outstanding balance on that card. Today, my family got a letter stating that I owe them Rs. 2200 which includes an annual membership fee of Rs. 700 and late fees accrued at an interest rate of 42 % per annum. They are threatening to take help of collection agencies if we do not pay up the amount. This is insane. I never used that credit card in these 2 yrs. Even... read full review »