HSBC Credit Card was the first ever card that I began to use and maybe it holds a sentimental value to me. I was in Bangalore in 2001 when the HSBC agent approached me and said that they were issuing HSBC cards to doctors for a joining fee of 360 only. I was not sure about using credit cards and was hesitant when I furnished my details.
In a week the verification process were done and they also asked me to write a slogan for them. I did it in a hurry but I managed to impress them. I got the card which was a ’’MasterCard’’ in few days and with it came a letter that I had won ’’10gm’’ of gold from Tanishq. That was a great start with the Card. (I’ll never forget it as I used this gold coin to make my earrings for my wedding).
Initially the limit given to me was only 15000., but I never bothered as I didn’t use it much. Gradually with my regular payments (full payments), they rewarded me by increasing my limits as well as gifting me with their Visa Card.
When I shifted to another State, I called them up and asked them to change the billing/mailing address, which they did so promptly within a week, whereas, the other cards that I had, took me ten phone calls and disappointment for the change of address and ultimately landed up cancelling them.
Today I have other cards which have been given on some scheme and at times they have better service but ’’I still manage to swipe only my HSBC card’’ especially because of my petrol usage as they waive off the surcharge (500- 3000).
In between, thay did have a lot of complains as they stopped sending my statements and the phone banking no. too had to be held for half an hour to get to speak to the phone banking officer, but my written complaints to the head office were definitely taken note off, and it’s back to happy days with my HSBC card. I
can bet that their Phone Banking officials are the best in the market in terms of etiquette, patience and mannerisms as well as a good command in English. Do try it for a year and if you like it keep it for life.