I had decided to get a credit card as now days it is passé to pay cash especially in good establishments, hotels and shops. The first card I ever applied for 2 years ago was the HSBC Silver Visa Card. A friend of mine arranged for an agent to come over to his office and do the needful. I wanted to open an HSBC bank account also and the agent assured me he would do both.
On the outset he was ill informed and did not give us proper guidance regarding card particulars which was needed by me as I was a newbie. Even after 3 months I did not get my card even after supplying all relevant documents and on being informed that I was eligible.
However after a personal visit to the Bank’s MG Road Branch my card was delivered in a week. Since then their service has been impeccable and all my queries have been dealt with promptly. Also they have increased my credit limit twice in the last 2 years without me having to apply for it. All in all a good experience. Also they have good discount and point schemes comparable with other cards.
I would recommend this card to anyone even though I had an initial bad experience as I guess the whole bank should not have to take the blame for one person’s inefficiency, especially when they rectified it as soon as they were informed.