HDFC Bank — Cowards & cheaters selling Credit Card for free

They cheat and fool people to take free credit cards and then force them to pay gst ans other annual charges. For me it wasn't even a year and got that bloody standard bill. Now that is reversed so they are harassing me with the gst amounts. Why the hell should I pay to these cheaters who don't sell honestly and then when the time comes to help, assist and solve they hang up the calls, they say system is down. They have been ese lying to me since a month. Tomorrow I am going to go in the HDFC Fort branch and create a big scene for the card closure which I don't use it all. I never used a credit card and I don't wish to use one.
Can someone take responsibility for this? Or everyone who works in the credit card department of HDFC are cowards and cheaters?