Hi,
While taking the card HSBC executive have promised for lifetime free credit card around 4-5 yrs back. After first year HSBC sent the bill with annual charges. I called the customer care and they said that every year they will reverse the annual charges so whenever you get the credit card bill with annual charges all you need to call once to the HSBC customer care. I had no issues doing this past 4-5 yrs and every year my amount was reversed after calling to the HSBC customer care. But this year in July 09 bill they have not reversed the amount saying that company policy have been changed and we can not reverse the amount and you shall need to pay the annual fees.
I got agreed considering the fact that in this recession time bank need to survive and I requested to adjust credit card points against the annual fees and HSBC customer care manager has taken this request and said that this amount (700 72.10=772.10) will be reflected in the next i.e. Aug 09 bill. But is the Aug 09 bill there is no reverse of credit card annual fees against the earned points. When I called the customer care they said there were technical issues so action has been not fulfilled and it will be adjusted in Sep 09 bill.
My complaint is, if we delay to make payments after due date of bills HSBC apply the late payment charges. My amount 772 has been blocked for approx 2-3 months and HSBC shall be responsible to not adjust the points against the annual fees even after making the request. I have made the request about 15 days before the billing cycle, does HSBC has technical issues for 15 days? This doesn't convincing and HSBC shall compensate/charge for not fulfilling the request/action on time.
Attaching both Jul 09 & Aug 09 Credit card bills with this email
Regards,
Nirmal Sharma
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