Recently, HSBC quite good, they send u the email to redeem gift very fast. Overall, good experience.
Except need go to branch collect the card.

i also not very sure how my CCRIS score, i have a housing loan, car loan, 4 on hand credit card and some installments in 1 of the credit card.

So glad to hear this. Since my case memang need to walk in anyway, might as well just make a single trip and hopefully be done with it the same day.

Still waiting the redeem code, haha

anyone want to try their luck?


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This post has been edited by cybpsych: Aug 10 2023, 11:35 AM

One thing I don't get it with HSBC cards is that if I make payment from my HSBC savings account to my HSBC card, it takes one working day to take effect whereas other banks it is immediate (same bank account to same bank CC).

I always make payments exactly on due dates and I always kena with HSBC.

just curious... how do you define/measure "one working day to take effect"?

1) see in app?
2) see in portal?
3) see changes in credit limit?
4) see the payment date?

that's the way on how hsbc work . so advice pay earlier

Say my CC due date is today 10 August. If I go into my HSBC app to make payment to my HSBC card now for today, my payment will only be in effect the next working day, ie. tomorrow 11 August and my CCRIS will be marked as late payment.


Yeah, no choice. Just find it weird, why pay now doesn't means now. Especially more so when I am using my HSBC savings to make payment. If you say making payment from another bank to HSBC cc, then maaaaaaybe I can understand a bit. 3-4 other banks' CC, the payment to CC is immediate.

If my due date falls on a Friday, more GG because if I make payment on Friday, the effect will only take place on Monday (next working day).



This post has been edited by Lahaha: Aug 10 2023, 12:47 PM

U r suppose to make payment after statement date. Got 20 days to pay rather than wait till last day(due date) to avoid extra fees penalties

Yes I know but I'd like to keep my money in my account as long as I can.
I usually see my statements early and then schedule payments via banking apps on its due date for all my respective CCs. Only noticed HSBC's practice is a bit different. Other banks, regardless if it is weekend, public holidays or what not, payment is made on the day you want to make it.

No issue, just that for HSBC, I have to take an extra look at the calendar that even if I anticipate and make it one day earlier, it is not a public holiday/weekend.
You like to make payment one day after receiving your statement, good for you and no issues with me. I am just sharing my experience.

This post has been edited by Lahaha: Aug 10 2023, 01:20 PM

It’s actually very simple if you care about logic.

Payments by you do not necessarily mean payments are received by payee. This afore statement encapsulates the whole gist of the payment deadline. Clearance of any mode of payments takes time unless it is a direct transfer to the bank in question which would then be recorded as received immediately.

So, you must give a time window for them to have the payment in their bank per se.

So from my HSBC savings account to my HSBC card, is not a direct transfer? How much more direct can it be to be recorded as received immediately?

no point argue in forum. the best answer is ask bank

Sure, I have no issue. I have adjusted my payment scheduling to cater for their payment receiving structure after learning this.
Just merely sharing and not really looking for answers as I don't think any of you are representing HSBC and their credit card team.

Just saying that UOB/Citi, Maybank, CIMB all reflected payments instantly whereas HSBC is different. Just sharing for discussion sake or for other new HSBC cc owners who pays on due date (like me) and to avoid being triggered as late payment.

Yes, I also feel HSBC is weird bank on payment.. n worst is they block u from using the card due to late update of payment by their system assuming u didnt pay at all.. padahal u have plenty of credit limit, just bcoz of their stupid system didnt update the payment on time, then u r not allow to use their card..

Just checking, anyone getting any monthly or weekly CB from HSBC cashsweep promo?
12 weeks from 31 May is till end Aug.
But other bank usually give the cb earlier

https://www.hsbc.com.my/content/dam/hsbc/my...omotion-TnC.pdf

“Promotion Period” runs from 01 March 2023 to 31 May 2023, both dates inclusive

17. The CashBack will be credited into the primary Eligible Cardholder’s Participating HSBC Credit Card/-i(s)
account within six (6) to twelve (12) weeks after the end of the Promotion Period, which will be reflected in
the Eligible Cardholders’ monthly credit card statement after the Monthly/Weekly CashBack has been
credited.

This post has been edited by sjz: Aug 11 2023, 09:49 AM

Hi anyone here can recommend the best HSBC card by considering the followings:

1. Annual Income: 95k++

2. Annual Fee: Can waive

3. Card required for:

a) Buying kitchen cabinet, furniture and home electronics, and payment to Contractors. From physical shop and lazada/shopee. Preferable if card can give more good cashback as this is a one-off outflow for a few years use (for new house).

b) Recurring large annual expenditure on grabfood/foodpanda/shopee, car insurance, car service, internet, petrol, TNB, Syabas, cukai pintu & other government services. - points/cashback preferred

4. Existing credit cards (if any): Standard Chartered - not activated

5. Others: Prefer for points to be redeemed to online voucher or e-wallet top ups, and low interest rate borrowing.

-DELETED-----

This post has been edited by sg8989: Aug 12 2023, 12:28 PM

Saw that my 6 months cooling period is over so I applied
for another HSBC credit card with RinggitPlus for the RM800 TNG credit. Immediately topped up TNG eWallet with RM1k the moment I collected my card to meet the spend criteria, and now waiting patiently for my reward to come in October. Got to be the easiest money ever.