Again, there goes my favorite credit card company.
After a year of being a really good customer and paying my bills on time, they’ve increased my credit limit by 33%. Then, they de-activated it.
Apparently, an online transaction I did last week triggered their system so they had to verify it personally from me. Fine, I sometimes get them phone calls to check if I was really the one who made the transactions and they went without a hitch.
However this time, they called up using my old record (from my previous company) so obviously they weren’t able to talk to me. Besides, I have already asked them 6 months ago to expunge those contact information from their records since I am no longer connected with that company. I know my request for change of billing address and contact information was updated because I regularly get the billing statements at home. So why the hell do they still have that old record on file? It only means they did not delete it from my file even after I told them to remove it.
To make matters worse, since they must have realized I do not work for the previous company, they had to suspend my card until such time I have a new job. What??? Do I need to have a regular day job to be able to pay my credit card bills?
I asked the CSR to review my credit rating and payment history in the last 12 months if they’d see any evidence that I have been tardy in paying my close to 100k monthly transactions. Not a single spot.
If they don’t re-activate my card very soon, I’m switching.
I applied for a creditcard, being a Premier customer, at an HSBC bank in another country, and having a deposit amount of over PHP 7ooK in timedeposits and checking accounts. Then they tell me I need to be a resident there. WTF. while I trusted this bank with over the PDIC limit. At another bank I get a Platinum creditcard without questions asked with a limit of 450K.
HSBC is a very bad bank, they have no respect to customers whatsoever, and even basic banking like transferring funds and viewing statements from one of my Premier accounts is not possible up till this day.
Thanks for all your input. I got approved with HSBC credit card. After reading this thinking hard to terminate with them.
I’m closing my hsbc credit card today. more than a month now that my card renewal didn’t deliver to me. All means of communication i did was not appreciated by hsbc. they always says this : “We wish to advise that several attempts were made to deliver your HSBC
Credit Card to your billing address on record these were unsuccessful as
you were unavailable during the time of delivery ”
I’m a good payer too.
HSBC – The worst (world’s) local bank.