I had taken the HSBC credit card in 2006 and it got expired in 12/2008.
In 2007 I had taken one ploicy whose amount was auto debit with my HSBS credit card.
I paid the money for all the transaction which happened upto 12/2008. In Dec 2010,suddently I got the call from HSBC that 1 transaction happened of 24k in sept 2009 for your policy and you need to pay the money of 50k.

I told them my card got expired in 2008 then how the transaction can happen? They told me that even if ur card is expired but your account number is active.I asked them did u renewed the card after 2008,they told yes but that new card is also blocked.

I again asked them if that card is also blocked then how the transaction happened.Then they gave the reason to me that even if ur card is blocked or expired then also online transaction is possible coz ur account is active.

When I discussed the same scnerio with some other bank like ICICI and some other they told that in this case transaction is not possible and transaction should be failed.

Please guide me on this case.IS HSBS cheating me?