HSBC Credit Card Reviews
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November 12, 2007
Do not use HSBC credit card!
I am a HSBC credit card user. Within 2 years with the credit card, I have to call around 5 times to ask for financial charges reverse and late charge reverse.
This last time, my statement due date used to be 29th of the month. It was set back to 24th without any advance notification. I sent out the payment on Oct 15th. HSBC credit card did not process the payment until Oct 26th. Therefore, I was charged $200+ financial charges.
When I called, the first person could not help me. I was transferred to his supervisor Jose, who could not help me. While I asked to be transfer to his supervisor, my line was held and then cut off. I called back; the third person could not help me. The forth person, a supervisor, Sally, told me that the financial charges will not be waived when I asked to speak to her supervisor. She did not ever transfer me to her supervisor. I cancelled my card right at the spot.
I am using chase, Amex, AAA, and other credit cards. No other credit card company ever gives me more problems than HSBC. I read in consumer report that it had the tendency to process consumer payment. Their rating is low. I just become another victim. Do not use HSBC credit card. The company is not professional and reasonable.
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October 28, 2007
MY application status
Dear sir,
I am already apply you Credit card last 3 month before . I am complited all requirement for that. and I got a sms for your end on 30-08-07 with refrerence no. Reference No is : 200724002270. But there is no any kind of information. and No received any card.
Please rectify that.
and awaiting your responce.
DINESH CHANDRA
9871353989
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September 17, 2007
Poor service!
HSBC is the useless one in customer care. I hold a credit card. First of all they were sending my statement to my previous employer, when I had clearly instructed to send those to my home address. Even after correcting this arrangement, they were not able to issue me the statements for a few months and they charged me fees for late payments.
The customer care numbers they mentioned on their site are configured in such a stupid way that unless you are registered for phone banking, the menu doesn't allow you to go in and reach out any of the customer care representative.
Their sales representatives keep calling for new card and give some number, which is again transferred to the centralized one which again behaves same way. I logged a complaint with them and their customer care manage got back to me with useless solution which was not aligning with the problem at all. Then next time, a new customer manager got in touch with me and again the same story.
These are useless people. I want to file a suit against them. Please guide me on this.
Thank you
-Nitin
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September 14, 2007
Cancellation of credit card not complied
I was issued credit card by some middle man; when i was reluctant to have it. This was done perhaps two years back. I have made not even a single transaction; further i sent my refusal and torn credit card to HQ in ordinary mail also said the same to their representative. However, my credit card is still alive and i'm being billed annual fees, service taxes, etc. When i'm not availing any services. This is shear harassment for no fault of mine. Someone suggest how can I get card cancelled and all fees condoned?
Thanking You,
Arvinder pal singh
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August 22, 2007
Harassment!
I got HSBC card. First month i did not receive any bill. When there executive called me and informed that there is some due and requested me to make minimum payment. I made minimum payment and when i received my bill. they charged me with 300Rs. late fine and EMI charges. As per High Court order bank can not charge for late fine if user did not receive any bill
When i call in HSBC customer care there refused to reverse and told me to make all payment first then only they will block/close my credit card. Then after waiting for 1-2 months I destroyed the card and made all pending payment Excluding late fine charges. They keep on charging my expired credit card and till now it is 500. History by HSBC is as below. Even HSBC executive calls me and saying that will get money from me and they will send the police. Please suggest what should i do smb?
Statement Date Outstanding Payment
4-July-06 3658.00 No Payment received
4-Aug-06 4236.68 500.00
4-Sep-06 3864.96 No Payment received
4-Oct-06 4384.01 No Payment received
4-Nov-06 4924.79 3000.00
4-Dec-06 2017.04 No Payment received
4-Jan-07 2477.94 No Payment received
04-Feb-07 2951.71 No Payment received
04-Mar-07 2646.70 No Payment received
04-Apr-07 3131.73 No Payment received
04-May-07 3626.84 No Payment received
04-Jun-07 3823.35 No Payment received
MANISH
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July 18, 2007
Raised bill instead of not using the card
My name is Mohammed Aslam Hussain, holding HSBC Credit card.
I have never used it, Still HSBC bank people have sent me the Bill of Rs. 2,832.77 INR. When I inquired with customer care people they are stating that I have purchased using HSBC credit Card. I want to know the details where in I can submit my complain and strict action is taken against the Bank people.
I suggest you to stay away from this credit card company!!! This company has raised bill on my card for no apparent reason.
Thanks,
Aslam
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June 26, 2007
Unauthorized late payment fees
This is regard to the HSBC Credit Card payment. I have used the card only twice till now. I get the statement very late in which late payment fees is also incorporated. This i feel is intentional on part of the bank to bail of extra amount from the customers.
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June 14, 2007
Customer cheating!
I purchased some ornaments on some shop on may 26th costs 7,600, but my bill generated with 12,600 and i asked to HSBC credit card dept they first told that merchant did another transaction on 2nd 4th 7th of June with out my involvement. Next time they told that due to some technical problems they (hsbc only) did that extra transaction. I asked about bill generation and they told that wait for 3 more days.
Can anyone suggest what to do. After bill generation i must to pay the whole amount na.
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June 11, 2007
Illegal billing
I had 2 credit cards with HSBC. One was just a Mastercard which they closed last year stating due to the amount of credit that I had. I think they are full of it - I hadn't used it in over a year and I think that is why they closed it. And by their actions they confirmed this, because I also had the Best Buy Reward Zone Card which they just recently lowered the credit line stating the same reason, yet I hadn't used it in over 2 years - I was paying it off monthly on a special same as cash, but didn't charge much on it.
And than when my last statement came in they charged me interest on the same as cash, even though the payment was there a week before the final date. I called them and they said that this would be removed. We'll see.
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May 22, 2007
Cheating customers!
Dear Members Of Complaints Board,
Myself Abhay Agrawal Age 29 yrs, working in a MNC as an Area Sales Manager – Gujarat. I had one complaint against HSBC Credit Card.
I had applied for HSBC bank Gold Card, two executives have visited my office (at Indore) and bank has sent me two different Gold Card. But I had chosen one Gold Card 4384 5999 9876 4863. I broke second card & drop into HSBC bank cheques collection box. At the time of form filling Sales Executive has committed me that this card is life time free card. I received card on 30th August 2004 with credit limit of Rs 50,000.
From 1st Sept’04 to 30th August’05 there were no problem, I was using card smoothly & paying timely. My billing cycle was 7 to 6 every month. On 7th August’05 to 6th Sept’05 statement bank has charged 2000 Annual Fees & Appx Rs 141 other charges. I called to customer help line and after discussion with tele Officers he assured me that we will reverse amount in next statement, please deposits balance amount & use card without any hesitation (as per statement due amount was Rs 6141 so I paid Rs 4000 by cash 8 * 500 = 4000 on 22.09.05). As per bank difference between dues & paid was Rs 2141.
Next month I only use Rs 569 facility from bank, but in next statement annual charges has not been reversed and total outstanding went to Rs 2884.75. I again called to customer help line, again officer assured me that this will reverse 100% in next statement, pls pay balance amount. I paid Rs 570 (which actually I was used and have to pay as a genuine customer) by cash on 18.10.05.
But in next statement again Annual Fees was not reversed and total dues amount went up to Rs 2395.67. This time I called on customer help line & asked about discontinue my card facility. Tele officer advice me just broke the card & drop it on cheques collection box of HSBC bank, your facility will automatically discontinue. I did exactly same.
But statement is coming continuously and dues amount is growing every month. In between I shoot mail to HSBC customer care helpline also, but nothing has changed. And as per latest statement total dues amount is appx Rs 6800.
Now collection agents are coming to my house (Indore) & calling regularly, they are using abusive language with my family & parents. I am also using ICICI bank credit card from 29th march 2003 and in span of last four year, not even a single time I faced any problem with ICICI. I am very regular about payments and using Credit Card as an additional facility provided by bank.
This is just cheating with customer, coz at the time of Form fill up executive claim something, and in reality bank did differently.
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