Welcome Guest ( Log In | Register )

593 Pages « < 580 581 582 583 584 > » Bottom

Outline · [ Standard ] · Linear+

Credit Cards HSBC Credit Cards V.2, Read the T&C before applying!

views
     
sadlyfalways
post Dec 22 2024, 08:31 AM

Regular
******
Senior Member
1,185 posts

Joined: Nov 2020
QUOTE(swanchew @ Dec 22 2024, 05:45 AM)
I had this transaction today CCHU without any warning also. Anyone know what is this?
*
I honestly forgot to even check hahaha

But I don’t remember paying extra 10k for the card so I guess it stayed ?
swanchew
post Dec 22 2024, 01:34 PM

Casual
***
Junior Member
463 posts

Joined: Jan 2003
From: Penang


QUOTE(sadlyfalways @ Dec 22 2024, 08:31 AM)
I honestly forgot to even check hahaha

But I don’t remember paying extra 10k for the card so I guess it stayed ?
*
It seem like another transaction CCHU for payment to balance off. Suspect the bank doing some illegal activities without letting us know. bangwall.gif
sadlyfalways
post Dec 22 2024, 04:54 PM

Regular
******
Senior Member
1,185 posts

Joined: Nov 2020
QUOTE(swanchew @ Dec 22 2024, 01:34 PM)
It seem like another transaction CCHU for payment to balance off. Suspect the bank doing some illegal activities without letting us know.  bangwall.gif
*
What does this mean haha

But they giving us free money? Why complain 😂
!@#$%^
post Dec 22 2024, 05:28 PM

Safe Trader
********
All Stars
17,496 posts

Joined: Feb 2006
From: KL
QUOTE(sadlyfalways @ Dec 22 2024, 04:54 PM)
What does this mean haha

But they giving us free money? Why complain 😂
*
later ppl said u received money in exchange for stg ....
sadlyfalways
post Dec 22 2024, 09:24 PM

Regular
******
Senior Member
1,185 posts

Joined: Nov 2020
QUOTE(!@#$%^ @ Dec 22 2024, 05:28 PM)
later ppl said u received money in exchange for stg ....
*
Takkan bank with reputation such as HSBC doing this kind of illegal activities right

sadlyfalways
post Dec 22 2024, 09:25 PM

Regular
******
Senior Member
1,185 posts

Joined: Nov 2020
QUOTE(sadlyfalways @ Dec 22 2024, 09:24 PM)
Takkan bank with reputation such as HSBC doing this kind of illegal activities right
*
Also I’ve never seen anyone doing illegal money transfer by sending money to the credit card instead of account haha
!@#$%^
post Dec 22 2024, 11:22 PM

Safe Trader
********
All Stars
17,496 posts

Joined: Feb 2006
From: KL
QUOTE(sadlyfalways @ Dec 22 2024, 09:24 PM)
Takkan bank with reputation such as HSBC doing this kind of illegal activities right
*
QUOTE(sadlyfalways @ Dec 22 2024, 09:25 PM)
Also I’ve never seen anyone doing illegal money transfer by sending money to the credit card instead of account haha
*
not sure. not my money.
iamoracle
post Dec 23 2024, 10:04 AM

On my way
****
Senior Member
614 posts

Joined: Nov 2011


This morning I was greeted by a notification on a cc transaction made in HK for YSP*Isinlloc.
Quickly block the card using the bank app and called cs to lodge a complain.
Be extra vigilant especially during festive season like now.
coolguy99
post Dec 23 2024, 10:46 AM

Look at all my stars!!
*******
Senior Member
7,349 posts

Joined: Aug 2015



QUOTE(swanchew @ Dec 22 2024, 05:45 AM)
I had this transaction today CCHU without any warning also. Anyone know what is this?
*
Erm I got this before. Mine is for when I make payment for my HSBC credit card from my HSBC acc. That is when the CCHU will appear for me.
swanchew
post Dec 23 2024, 12:14 PM

Casual
***
Junior Member
463 posts

Joined: Jan 2003
From: Penang


QUOTE(coolguy99 @ Dec 23 2024, 10:46 AM)
Erm I got this before. Mine is for when I make payment for my HSBC credit card from my HSBC acc. That is when the CCHU will appear for me.
*
I recheck again and it seem like CCHU is a payment made from normal account to credit card which is pending for validation. The status reflect after the payment is done after 1 or 2 days except public holiday. This status will disappear after the validation or payment is fully completed. This confuse me since the amount can be +positive and after verify can be -negative which make the balance from +100 to -100. ranting.gif

Anyway account balance is correct but sometimes it delay to reflect the payment to total balance which completed and done especially in the midnight.
swanchew
post Dec 23 2024, 12:17 PM

Casual
***
Junior Member
463 posts

Joined: Jan 2003
From: Penang


QUOTE(sadlyfalways @ Dec 22 2024, 09:24 PM)
Takkan bank with reputation such as HSBC doing this kind of illegal activities right
*
Possible without our knowledge. Because I didn't make any payment on Sunday yet it reflect a transaction payment made on Sunday. Surprisingly, my total balance is still the same.
adam1190
post Jan 22 2025, 04:42 PM

Lowyat Regular
*******
Senior Member
2,115 posts

Joined: Mar 2009


QUOTE(cute_boboi @ Jul 13 2021, 11:39 PM)
I"m very free now, so let me share more juicy details  brows.gif

Write down all the important dates and times you contact/call/email HSBC CS.
e.g.
1-Jul 11:05am called CS to request cancel. CS offers 3 swipes, but I decline to continue CC, etc.
7-Jul 2:45pm email CS to follow up, asking why still not cancel
13-Jul 1:55pm called CS again but they are not willing, etc.

You must do your work above few times with several working days gap, to show you have tried your best before approach BNM. That's what I've been doing when I burn the bridges with banks for the past many years, but that's another story for another time.

Submit these as data to BNM when you lodge your complain, providing justification I mention above earlier that SST is "prepaid" or "in-advance", then wait few days to a week or max 10 days, provided you do your homework above with complete details. Otherwise BNM may ask you submit more details. If all done in order, you will receive email from BNM to HSBC, cc you, requesting HSBC to respond within 7-14 working days  rolleyes.gif
Just sit back, relax and you will get funny replies from HSBC, so called local-global-bank-whatever  doh.gif
Continue your banter with HSBC.
HSBC may still want to argue, but you stick to the "in advance".

At the end, die die to keep face, HSBC will waive it but phrase it in a way to save face and still put the blame on you  shakehead.gif
I chose not to continue to argue with them, that it is not HSBC gesture of goodwill, but that is my right as a consumer that I am entitled to not pay the SST and to have the CC terminated. It's that simple right and we don't have to go this route. BTW, why not you try until the end and share here for other reference as well ?
Yes, I drag this SST issue until few ringgit for the late payment charges and stick to my ground and continue to play the game. In my case, I have strong CCRIS and CTOS so it doesn't affect my future credit/loan application after that.

I've shared my portion already, your call  icon_rolleyes.gif
*
The same concept applies to annual fee right? I got charged annual fee and I requested to cancel but they disallow and say I must pay the annual fee first ..

adam1190
post Jan 22 2025, 05:07 PM

Lowyat Regular
*******
Senior Member
2,115 posts

Joined: Mar 2009


QUOTE(NooooB @ Aug 2 2024, 01:51 PM)
UPDATE

It really depends on the CS who attended to your case. Today, I called again, and this time, the CS helped me cancel without asking me to pay the annual fee.
*
I am using the t1 card and they refuse to cancel the card if I don’t pay for the annual fee which was charged in advance
ericlaiys
post Jan 22 2025, 05:47 PM

Look at all my stars!!
*******
Senior Member
7,546 posts

Joined: May 2012


QUOTE(adam1190 @ Jan 22 2025, 04:42 PM)
The same concept applies to annual fee right? I got charged annual fee and I requested to cancel but they disallow and say I must pay the annual fee first ..
*
QUOTE(adam1190 @ Jan 22 2025, 05:07 PM)
I am using the t1 card and they refuse to cancel the card if I don’t pay for the annual fee which was charged in advance
*
yes correct. You cannot cancel the card if got outstanding. Nowaday all bank smart and dont want to waive annual fees. So better terminate card if u dont meet the requirement or expect got waive annual fees
fruitie
post Jan 22 2025, 05:56 PM

Rise and Shine
Group Icon
Staff
72,772 posts

Joined: Sep 2005
From: KUL

QUOTE(adam1190 @ Jan 22 2025, 05:07 PM)
I am using the t1 card and they refuse to cancel the card if I don’t pay for the annual fee which was charged in advance
*
I only had this problem with HSBC and had a long dispute with them on this, they finally gave in and allowed me to cancel without paying. That also took almost 2 months.
On another hand, Maybank won't have any issue on this. They won't force you to pay and proceed to close it.
adam1190
post Jan 22 2025, 06:24 PM

Lowyat Regular
*******
Senior Member
2,115 posts

Joined: Mar 2009


QUOTE(fruitie @ Jan 22 2025, 05:56 PM)
I only had this problem with HSBC and had a long dispute with them on this, they finally gave in and allowed me to cancel without paying. That also took almost 2 months.
On another hand, Maybank won't have any issue on this. They won't force you to pay and proceed to close it.
*
I called again the customer service and he say card cancellation department will contact me in 3-5 working days..

By the way, for your case, is it the first customer service contact point person or the card cancellation department doesn’t allow you to cancel without paying?

Thanks.
fruitie
post Jan 22 2025, 06:33 PM

Rise and Shine
Group Icon
Staff
72,772 posts

Joined: Sep 2005
From: KUL

QUOTE(adam1190 @ Jan 22 2025, 06:24 PM)
I called again the customer service and he say card cancellation department will contact me in 3-5 working days..

By the way, for your case, is it the first customer service contact point person or the card cancellation department doesn’t allow you to cancel without paying?

Thanks.
*
Customer service and then I escalated and someone shared the email address here for complaint, I dropped them an email and they called to discuss.
adam1190
post Jan 22 2025, 07:48 PM

Lowyat Regular
*******
Senior Member
2,115 posts

Joined: Mar 2009


QUOTE(fruitie @ Jan 22 2025, 06:33 PM)
Customer service and then I escalated and someone shared the email address here for complaint, I dropped them an email and they called to discuss.
*
Do you still remember the email address just in case I need to use it haha

I think it should be complaints@hsbc.com.my?

This post has been edited by adam1190: Jan 22 2025, 07:49 PM
fruitie
post Jan 22 2025, 08:45 PM

Rise and Shine
Group Icon
Staff
72,772 posts

Joined: Sep 2005
From: KUL

QUOTE(adam1190 @ Jan 22 2025, 07:48 PM)
Do you still remember the email address just in case I need to use it haha

I think it should be complaints@hsbc.com.my?
*
Yes, that email address.
ryansxs
post Jan 22 2025, 09:36 PM

Look at all my stars!!
*******
Senior Member
2,376 posts

Joined: Dec 2005


Mine they supposed to waive if i do at least one transaction per month.
So far they had been waiving for me without issue.

593 Pages « < 580 581 582 583 584 > » Top
 

Change to:
| Lo-Fi Version
0.0227sec    0.29    6 queries    GZIP Disabled
Time is now: 30th November 2025 - 08:00 PM