CV in New York said: “I have a closed acct with HSBC that I have been paying on each monh on time. I use the on line payment web site. I still do not understand how paying it on the due date results in a late charge. The only way to avoid this is to consider the due date 2 days earlier and keep on top of any holidays otherwise pay a ‘rush payment fee’ before the due date.
This evening the HSBC payment web site is down and my payment due on 9/21, so I had to make a phone payment which they charged $15.00.
I asked if I could make the payment in person at the HSBC bank on the due date and was informed I would have to have my statement. I said I would bring my statement. I was then informed that it also would take two days to process.
When I said suppose I make a cash payment, I was told I would have to call the bank on the due date and ask if they accept credit card payments, and that in any case if I pay it on the due date it will be considered late!
The policy is that it must always be paid 2 days before the due date.”
Editor’s Note: HSBC does not accept credit card payments. It is in the contract fine print. Customer service should know that.
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