i have one question if anyone can help me out with. My diseased father used to have HSBC credit card. there was some balance on his card at the time of his death. we even paid some amount as a full and final settelment but it didnt happen. every year before closure of economic yr, ie. b4 end of march, bank ppl come to enquire, each time we tell them the same old story happend in the past. they note it down and go or else request to pay any amount as a full and final settlement, they dont force. now if i plan to opt for hsbc card only then this above mentioned matter can affect me in any way, in the furute?