I’m using CITI bank credit around 7 years now, First time I tried the HSBC credit card and got it 2 months back. They have 6 digit ATM pin concept, I tried the regular 4 digit ATP pin format and it got locked. After that I requested for re issuance of ATP PIN, every time I call they give different information. Finally even after 20 days still I did not receive the ATM PIN. they were saying After 4 days they will take the request and after that next 6 working days they will send the SMS to the system, if the system did not accept the SMS then they will send the paper courier after one week. It is very stupid process how the customer depend on all the internal process. In other banks in couple of minutes we can reset the password by calling the phone banking or atleast one week is acceptable. But this people already 20 days left they are asking me to wait another one week may be just randomly. Very worst banking service that too from One of the reputed Private bank.