MO in Florida said: “I have had an HSBC card with a credit limit of $2500 for about a year. I have always made my payments on time. My available credit has been close to the limit but as of early December the automated service said I had credit available.
In late December I charged some airline fees on my card for $119. Moments later I called HSBC to learn I had no credit available and in fact I was $119 over my line. I did not understand why they allowed a $119 charge to go through if it would put me over the line. I asked the representative and he said “its a courtesy to the customer to go over the line”. That was the most ridiculous thing I had ever heard of.
I still paid on time monthly but made my payment of $75 larger to $100 which was all I could afford. I thought it would fix the situation. Wrong! My bills kept coming with the minimum stated of $75 but in very fine print it would give a different figure….almost like they didn’t really want you to read that print.
In March I called Cardmember services and asked for help. They said “there is nothing we can do for you” and “why don’t you contact a consumer counseling agency. I’m not late on any of my bills. Why would I want to throw all my accounts into a consumer counseling agency for about $200 extra dollars? I was having problems catching up on overlimit and now fees..
I faxed a letter to HSBC on March 21st and received no reply. Instead with my next bill I learned my account was now closed. I thought it was unfair to close the account without at least answering my fax. I’ve started writing the credit reporters to say there is a dispute on my account. I dropped part of my account insurance to lessen the monthly fees. All I need is for HSBC to hold the overlimit fees for 2 cycles while I catch up. This bank’s (HSBC’s) American Headquarters is not listed in Google.”
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