Reg. credit card
Querist :
Anonymous
(Querist) 11 August 2011
This query is : Resolved
I live in Kolkata. I have a Master Card Credit Card issued by HSBC. The validity period of the card expired this July, 2011. Renewed card was issued to me but the courier person did not come to my residence to deliver my card and posted in their website that "consignee refused to accept". Then I requested the Bank to cancell my card. But the bank has sent me bill for renewal fee of the card.
Now I want to ask that can they raise any bill for renewal of card when I requested them to cancell my card and that also I have not received the renewed card ?
If they cannot raise any bill for renewal of card then what course of action may I follow ? Pls advice.
ajay sethi
(Expert) 11 August 2011
courier is required to deliver card at your residence . you are required to submit identification proof before card is handed over .
since before expiry you did not inform bank that you dont want to renew card the bank has renewed card and sent it to you .
request bank to waive of renewal fees as you do not want the renewed card . since no bank wants a disatisfied customer they may waive of the charges which are minimal in nature
malipeddi jaggarao
(Expert) 12 August 2011
I feel you are not coming out with full facts. Credit cards would be despatched by Banks through reliable courier services. When the remark in the web site is "cosnginee refused to accept" - I presume it has really happened. As Mr.Ajay sethi advised, if you do not wish to have renewal, you should have informed the Bank before renewal. If you have any account with the Bank, they will certainly debit that account with these renewal charges. If you have no account with them, chances are that upon your request, they may waive the charges and close the matter as you have accepted the card.
Advocate. Arunagiri
(Expert) 12 August 2011
The renewal fees is applicable only when the credit card holder starts using or accepts to using the renewed card for the next year.
In this case the renewed card was not delivered to the card holder, so, the bank can not charge him the renewal fees, if he has no pending dues.
If he has dues, but, refusing to receive the renewal card, will attract renewal fees.
