Dear Conern
I am using HSBC Credit Card for the past 1.5 yrs and has always made payment on time. My due date every month is on 26th or 27th of every month. My payment of Rs 500 for the month of dec was done on 24th Dec 09 but as on 25th, 26th and 27th they had an holiday so the late fine has been added to my current month bill as the chq got cleared on 28th dec. I had called the customer service and spoke to Menakshi and she clearly infromed that i should have made payment a week before and the late fine cannot be revised as it has been correctly charged by the bank.
When bank says that they are giving a credit facility of 50days during this commitment they includes all the holidays including sundays, if the chq cannot be cleared on holiday that should not be my concern. Why they are calculating the due date which includes holiday?? If the bank cannot compensate these things than why should the customer be responsible for bank holidays.
It is a very clear message to the bank official that if the late fine is not reversed i will be forced to stop payment and you can keep on adding the late fine as much you want.
Pls look into the matter and revert.
Card Nos - 4476929987691125
Regards
Harjit Singh
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