I’ve been an HSBC MasterCard holder for several years with a $500 limit for my emergency purposes. One day made a $350 purchases that I later regret...
Anyways, I’ve been paying a little bit more than min payment for a bit now. Although recently this year I’ve missed my due date (not kidding) 2-3 days and I get called by hsbc call center about the payment. Now the first time they called me within that span of 2-3 days was 15 calls!!! Not sure if that was standard, but I let that pass. The second time I missed my due date again (not consecutive) by 2-3 days again, and this time their call escalated to 20 calls within that time line.
We’re talking about 7+ calls a day from the same company. How annoying is that? Isn’t there laws and regulations that will protect us from this? The last bad experience is recently where its been give in take a week long that was past due, and they called an average of 10x per day!!! There’s been times, where they call 2x straight back to back, and sometimes 3x back to back on my phone. Now based on $350 the min interest charge is $12!!!
Come on, who’s gonna run out on that little to kill their credit score for that. With all that I gave them reminders with their Call Center Rep that I was unpleased with how many calls I receive over such petty amount, and I tell them to put it in their note to not call me constantly when I’m late only a few days.. They put it in, but somehow I still get bombarded with loaded calls. Wonder if any of you have had this bad taste?