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

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ryansxs
post Sep 25 2025, 06:22 PM

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QUOTE(fruitie @ Sep 25 2025, 03:30 PM)
For HSBC, I would say yes, cancel before AF is charged. Else the pain is never ending.
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ill cancel 2 months before AF is charged. lol rclxs0.gif
fruitie
post Sep 25 2025, 06:24 PM

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QUOTE(ryansxs @ Sep 25 2025, 06:22 PM)
ill cancel 2 months before AF is charged. lol  rclxs0.gif
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Yes, no point stressing yourself to deal with them. Been there, done that, not gonna repeat again.
synical
post Sep 26 2025, 05:22 PM

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Wow... https://www.refinedpoints.com/post/lol-hsbc...ll-credit-cards

They really raised the minimum income requirement until liddat leh..
ryansxs
post Sep 26 2025, 05:35 PM

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QUOTE(synical @ Sep 26 2025, 05:22 PM)
Wow... https://www.refinedpoints.com/post/lol-hsbc...ll-credit-cards

They really raised the minimum income requirement until liddat leh..
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Guess they are targetting "pemium" customers only.
Skeuomorphic
post Sep 26 2025, 05:45 PM

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QUOTE(synical @ Sep 26 2025, 05:22 PM)
Wow... https://www.refinedpoints.com/post/lol-hsbc...ll-credit-cards

They really raised the minimum income requirement until liddat leh..
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lol are they going the SC route
fruitie
post Sep 26 2025, 05:58 PM

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QUOTE(synical @ Sep 26 2025, 05:22 PM)
Wow... https://www.refinedpoints.com/post/lol-hsbc...ll-credit-cards

They really raised the minimum income requirement until liddat leh..
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Even though I fulfill their income requirement, I won't apply again as it has no interesting cards. So nothing to lose actually if one cannot qualify.
synical
post Sep 26 2025, 06:16 PM

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QUOTE(fruitie @ Sep 26 2025, 05:58 PM)
Even though I fulfill their income requirement, I won't apply again as it has no interesting cards. So nothing to lose actually if one cannot qualify.
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TBH, the cards are kinda meh for me as well; was kinda planning on cutting one of the existing cards, but got installment plan to pay off first. Sigh.
blacktubi
post Sep 26 2025, 06:26 PM

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The only reason I still keep my HSBC VS is for Apple Pay but I am considering other options now

SCB is out as their app is just horrible
fruitie
post Sep 26 2025, 06:30 PM

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QUOTE(synical @ Sep 26 2025, 06:16 PM)
TBH, the cards are kinda meh for me as well; was kinda planning on cutting one of the existing cards, but got installment plan to pay off first. Sigh.
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It is OK, once you pay off then can cancel it.

QUOTE(blacktubi @ Sep 26 2025, 06:26 PM)
The only reason I still keep my HSBC VS is for Apple Pay but I am considering other options now

SCB is out as their app is just horrible
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SCB I also cancelled its Journey card recently. As for Apple Pay, my main cards are still from Maybank. Waiting for HLB to implement into Apple Pay too.
blacktubi
post Sep 26 2025, 06:45 PM

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QUOTE(fruitie @ Sep 26 2025, 06:30 PM)
It is OK, once you pay off then can cancel it.
SCB I also cancelled its Journey card recently. As for Apple Pay, my main cards are still from Maybank. Waiting for HLB to implement into Apple Pay too.
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Good idea, gonna spend some time to study which MBB card I should get to replace my HSBC VS

I still have their FCB card which I rarely use laugh.gif
coolguy99
post Sep 29 2025, 11:22 AM

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QUOTE(synical @ Sep 26 2025, 06:16 PM)
TBH, the cards are kinda meh for me as well; was kinda planning on cutting one of the existing cards, but got installment plan to pay off first. Sigh.
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Their card is good for lounge access though. One of the reasons why I am still keeping it. But will cancel the VS due to the AF.
eternity4av
post Oct 3 2025, 11:20 AM

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QUOTE(MGM @ Sep 25 2025, 06:15 PM)
But waiver requirement is just one txn per month right?
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yes, but this is before the revision, the latest revision is RM6k spend annually.
BenChiew
post Oct 4 2025, 02:20 AM

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They are going to loose many customers. But I guess their business focus has changed. If you are one that is likely to cancel due to the fees, then you are not their target customer they want to retain. Minimum income requirements have changed too. It’s flat across all card types. Annually over 100k.
hombre3 P
post Oct 4 2025, 10:26 AM

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What will happen to my points if I cancel my HSBC CC? Will I still get to keep and use them? For how long?
hye
post Oct 4 2025, 11:02 AM

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QUOTE(hombre3 @ Oct 4 2025, 10:26 AM)
What will happen to my points if I cancel my HSBC CC? Will I still get to keep and use them? For how long?
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The moment you cancel your card, whatever points tied to a card will be cancelled/forfeited.
ericlaiys
post Oct 4 2025, 12:05 PM

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QUOTE(hombre3 @ Oct 4 2025, 10:26 AM)
What will happen to my points if I cancel my HSBC CC? Will I still get to keep and use them? For how long?
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total lost
ryansxs
post Oct 4 2025, 05:26 PM

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QUOTE(ericlaiys @ Oct 4 2025, 12:05 PM)
total lost
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i have about 24,000 points hanging there. wonder what i can redeem before next year.
geraldsim89
post Oct 7 2025, 07:36 PM

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QUOTE(ryansxs @ Oct 4 2025, 05:26 PM)
i have about 24,000 points hanging there. wonder what i can redeem before next year.
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checkout the catalog , online redemption
geraldsim89
post Oct 7 2025, 07:44 PM

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Anyone had pending installment on the card ? Prior to cancelling the card can just pay it off and call CS to cancel?
haru20
post Oct 8 2025, 10:22 AM

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anyone has experience, cancelling HSBC VS that have instalment plan move/transfer to another HSBC card ? is it possible or have to clear in full the instalment plan in HSBC VS?

This post has been edited by haru20: Oct 8 2025, 12:04 PM
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