Does anybody know if this means I got penalized for late payment? I forgot to make payment last month, and late for 3 days if I'm not mistaken. Once I remembered, I quickly paid them already.



Calling HSBC is the most hatred thing I would ever want to do, the call will never be forwarded to their CS. If it is late payment charges, I don't mind paying as it was my mistake. Now the problem is will this affect my credit history in the future?

hahaha, why you use HSBC credit card. If you go read the T&C, they really have a Management Fee for Islamic Cards which I can never figure out what it is.

In the past, I also forgot to pay my HSBC bills twice in time because I don't get any paper statements to remind me after I sign up for online account. Just call them and request for the fee to be waive

But like you said, calling them can be very frustrating - click here to read my article My HSBC Visa Signature Pisses Me Off Big Time.

Sigh. I didn't know about this thing la. Yeah, I hate HSBC damn a lot now. I have some bad encounters with them, you could search that by just typing my name at the search box in this thread.
Don't worry, I'm cancelling this useless card soon...
At least I feel relieved that it is not late payment charges...

This post has been edited by fruitie: Nov 4 2014, 07:31 PM

Sis, it may be late payment charges, I don't know, recommend you call them during office hours only and have it waived. The longer you wait, maybe got interest charges also.

Payment already made, still got interest?

I also received email approval 24 but still not yet receive the card today

oIC, you actually paid the so called fee. In that case just take it as a lesson learned for a RM2.13 fee And like you said, terminate the card and save yourself future headaches. With HSBC stupid auto tele-machine, it is just not worth it to hold a HSBC credit card.

No, I haven't made. The due date is 10th Nov, what I meant as I have paid the last month's outstanding.
Anyway, I'm going to cancel it once I make my payment. No purpose of keeping it anymore.

i called to CS yesterday for apply new HSBC card.
and they told me management fees is late payment charges. but they called it management fees due to it is Amanah / Islamic.

HSBC is one of the worst cards I had on my experience.

The staff never told me the The Huawei Tablet is provided on an “As Is” basis and on a first come first serve basis.

In the end spend the card and get nothing and the HSBC Staff also don't dare to pick up fuking call.

i juz cancelled my visa signature ~
i think i do not need to explain why ~

It was not mentioned in the T&C the tablet is first come, first serve - everyone got the card approved should get rite?

Thanks for the great help!

Now my next question comes in, will this late payment charges affect my credit history in the future? Damn it, just for RM 90.
I'm applying housing loan soon...

Edit: Talking to them now, it is for the BT 1.99% interest. Not late payment charges. Phew. I'm cancelling the card now.

This post has been edited by fruitie: Nov 5 2014, 12:12 PM

Any of the financial institution in Malaysia won't tell you clearly all the time. You need to dig your self on all the facts.

Which sign up bonus u referring? Ringgit plus or previous huawei promo (ard June 2014) by HSBC?
If HSBC promo, tnc stated I first 2500 cardholder. If ringgitplus, no first come first serve, u can request from ringgit plus.

Yes


Not yet. Not in welcome letter. Maybe by email, after activate the card.

They sent by normal mail.

Anyone here got the Cerutti 1881 watch yet? This is for the new card sign-up promo a couple of months ago.

Update us once u got the unique code

Not yet. As per HSBC staff, the name list has yet to come out. Hopefully by this month.

Was about to call them tonight, thanks.