I have HSBC Gold Credit Crad 438405, my card bill generates on 5th of every month. Last month I got 11, 000 Rs bill on 5th March. I dropped a check of 8, 000Rs at Bannerghatta Road HSBC ATM on 15th March. My bill payment due date was on 26th March. I thought my bill check will be cleared before the due date. But, my check never reached them! I was started getting calls from HSBC collection people. I tried a lot to trace the lost check but dont know where it wont.
Finally I decided to stop payment for that check and pay them again. So collection people sent there executive on April 3rd. The person took 8, 000Rs in cash from me and he told the money will be credited by the end of the day and he told I will be charged any fine as I have payed before the next bill generation. I thought at last I am all set. But, wait a moment ..that cash also has not reached HSBC! again I got my this months bill on 5th April and they have included 850+450+200=15, 00Rs(Financial Charges, late payment charges and Taxes). This 15, 00 Rs I need to pay bcz my money did not reach HSBC.
Was that my fault? where is my 8, 000Rs which I gave to their executive? If I call HSBC Customer Care ..they say I must contact Collection dept bcz that is not there problem. When I cotact Collection people they say they will investigate....anyways by the time they come up with any news about my 8, 000Rs they will send me next bill and in that bill they may include atleast 2, 500Rs fine. Its really annoying..I am now thinking why did I took credit card? I will just clear this all and cancel this card.
Thanks for reading my troublesome story! and if you dont want to face this problem then be carefull before doing any business with HSBC!
Malik.