I had an HSBC Gold Card. Initially they promised Life time free service, but later they imposed Rs.2000 annual membership fee. And even when I deny to pay that they added financial charges, late payment charges and other around Rs. 850 extra.
I asked them to close my account, as I don’t want that Rs 2000 annual membership, So in reply of that they told me that first I have to pay Rs. 850 , then only they will close the account. It was horrible experience , the way customer care people treat you, the tone they use, when you ask them to close the card account. They use very unprofessional, ridiculous language when you asked them to close you card account.
I don’t understand, why I should pay extra charges amount of Rs. 850 imposed further as late charges on Rs. 2000 membership, which actually I not even used. I thought HSBC is very reputed bank and their customer services will be world class. But to my surprise they are Worst class, instead of World class.
So, I suggest you friends, please be careful about the extra charges, and enquire each and every thing. Ask them to give you in written , either in email or in paper, whatever you promised for. Avoid using HSBC Credit Card. Instead of you can go for Manhatten, SBI, Amex ...etc. But in every case Be Alert, Be Careful. As it’s matter of your valuable money.
Regards,
Shail