Thursday, May 31, 2012

Irritated with HSBC

I have applied for numerous credit cards from different banks over the years. All their procedures are more or less the same. Until I encountered HSBC. First they sent me the phone banking and credit card PIN without notifying me that I have been successful in my credit card application. This alarmed me. What if the cards had been delivered wrongly, and the person who received it used it? I waited for the credit cards to arrive subsequently. Instead, after a few days, I receive a letter to ask me to submit XX documents (the usual payslips, photocopy of NRIC etc) to support my online credit card application. Now that pissed me off. At the point of my online card application, I had already uploaded and submitted all these documents. If they did not receive it , its their system screwed up. I will not resubmit. I called HSBC card centre, and it turned out that the letter was delivered late. It was a standard letter generated on the day I applied for the card, but it did not get sent out until 2 weeks later. Stupid system. And Yes, my credit card application has been approved, the card is on the way. Before I got the card, I received an email (oh gosh, the card took so long to come, when all these other procedures have reached me) telling me to click on the link, key in something to activate my card. So I did. It din work. I tried the telephone way. It din work either. (something wrong with the T-pin they sent me) GRRR..... In the end I had to go thru the operator to activate the card. Finally I received my card, and I made a transaction (so that I would be eligible to receive the free gift). A few weeks later, I got a statement telling me I have a debit balance of $XX in this card. SO? Shouldnt I be getting the credit card statement telling me how much to pay, by when, together with enclosed envelope etc? What is the point of this stupid composite statement? Called the HSBC card centre to check. I followed the (numerous) telephone instructions - press 1, press card number #, press 1, press... And then I hit a dead-end. Just press 1 for .. (something not relevant). Hey, all I want to do is speak to an operator to answer my simple (yet not standardised) question ! I press *0, it worked. I got the operator pretty fast, and my query answered. Maybe I'm getting old, and just cant adapt to new things. Hence I am seriously fed up with HSBC, in a short span of two months, i had called them 3 times to complain. i shall cancel my card next year. Just keeping my fingers crossed that I will get the free gift as promised in the brochure. Otherwise I will have to update this entry