This is really suck!
I actually applied for HSBC CC online since they r having the cashback promotion. On the same date itself, i submitted my documents to one of the officer in Puchong branch, then she said will contact me in case of anything. But she never did, I sms her asking my condition, she tak layan, call her, then she sounds very terrible, like I kacau her. WTF is this...

And a month later, today morning, I received sms from hsbc, saying my application is declined because they DID NOT heard anything from me! now this is very irritating.... Y they treat customer like shit!?