We have a HSBC Visa card this is the first time we used it, it is a joint card, we have misplaced the bill that we received and tried to find the outstanding amt from customer service but dint get any help saying we dont have pin number, one fine day we got a call saying outstanding amt to be paid, we asked to arrange a pickup as payment centers are far but they said it is not possible, they charged 1000 charges. This is unfair, with out our mistake we had to bear this charges.