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

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adam1190
post Mar 10 2022, 08:50 PM

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QUOTE(darkhunter16 @ Mar 10 2022, 07:35 PM)
250k points i guess not a small spender

Most likely spent more than RM20k a month
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To be frank, not sure is it system glitch or what, I keep getting entries even though I didn't spend much..
adam1190
post Apr 1 2022, 12:12 AM

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QUOTE(HimuraShin @ Apr 1 2022, 12:11 AM)
transaction pending as well
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How should we dispute?
adam1190
post Apr 1 2022, 12:29 AM

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QUOTE(blahbleh @ Apr 1 2022, 12:22 AM)
Mine is pending from tng reload and can see the amount is reversed. I don’t think it went through. Grab is ok though
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Reversed from your HSBC or?
adam1190
post Apr 1 2022, 12:36 AM

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QUOTE(blahbleh @ Apr 1 2022, 12:32 AM)
Yah:

user posted image
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Mine still not reversed from HSBC and account not reloaded yet?
adam1190
post Apr 1 2022, 12:45 AM

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QUOTE(pwlow @ Apr 1 2022, 12:39 AM)
me2
......gg system
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So we should complain to touch and go?
adam1190
post Apr 1 2022, 12:50 AM

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QUOTE(saitong09 @ Apr 1 2022, 12:47 AM)
Mine 2nd reload success
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So u need to log complaint for your first reload ?
adam1190
post Apr 1 2022, 01:04 AM

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QUOTE(saitong09 @ Apr 1 2022, 01:01 AM)
no need, can use to fulfill the 2k spending
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Your first reload already reflected in your TNG account?
adam1190
post Apr 1 2022, 09:30 AM

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QUOTE(akkaz @ Feb 16 2022, 10:09 AM)
TQ hsbc

HSBC SPICE UP YOUR LIFE PROMO CASHBACK 500.00
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HSBC very messy, only receive this Cashback yesterday...
adam1190
post Apr 1 2022, 09:44 AM

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QUOTE(sjz @ Apr 1 2022, 09:41 AM)
1st try it shows error after enter OTP.
so reload again. ended out reload twice.

12.00am
12.03am
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Need to file dispute with touch and go if your balance is not reflected
adam1190
post Apr 28 2022, 11:35 PM

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QUOTE(ronnie @ Apr 28 2022, 03:52 PM)
This RinggitPlus offer cannot use the required RM1000 spend on e-Wallet ?

3.4 The Retail Spend:
3.4.1 Includes local and overseas retail transactions (including online
transactions), standing instructions/non-online auto-billing, e-Wallet(s)
top up and insurance/takaful payment. Example of such e-Wallets are
Touch and Go, BigPay and Boost App. This list of e-Wallets is not
exhaustive and may be subject to change from time to time; and

3.4.2 Excludes Fees and charges per Our Tariff and Charges, Cash Advance,
Balance Transfer Instalment (BTI), Cash Instalment Plan (CIP), Quasi Cash
and/ or transactions that enables cash-out or transfers to bank account.
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wonder if i can fulfil this RM 1,000 requirement by spending on government related transactions such as assessment tax, indah water etc.. as T&C did not exclude?
adam1190
post May 9 2022, 03:11 PM

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anyone gotten the RM 20 cash back yet from TNG? Thanks smile.gif
adam1190
post Jun 7 2022, 08:26 PM

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QUOTE(kernel123 @ Jun 7 2022, 08:15 PM)
Gotten my tngo top up rm200 get  rm20 cashback .reload at 120040 biggrin.gif

Hsbc so efficient this time.this month is the last month.hopefully hsbc will continue this promo
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U just received notification? I reload at 12.20am, I think I didn’t get sad.gif
adam1190
post Jun 7 2022, 09:57 PM

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QUOTE(victorian @ Jun 7 2022, 09:20 PM)
First 10 minutes already finish. To be safe reload before 12.05
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got 3,500 winners, cant believe finish within 10 minutes.


QUOTE(markchan @ Jun 7 2022, 09:26 PM)
i top up at 5 am GG
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if didnt get now, means didnt get edi..
adam1190
post Jun 30 2022, 12:43 AM

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HSBC touch and go promotion RM 20 cashback got any extension?
adam1190
post Jan 16 2024, 06:45 PM

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Does anyone know if the first year annual fee for hsbc t1 can be waived for new cardholder who just got the card ?
adam1190
post Jan 22 2025, 04:42 PM

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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
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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

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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.
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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
adam1190
post Jan 22 2025, 06:24 PM

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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.
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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.
adam1190
post Jan 22 2025, 07:48 PM

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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.
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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

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