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

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dreamthief
post Dec 27 2017, 09:47 PM

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QUOTE(basSist @ Dec 27 2017, 04:16 PM)
submitted document on 6/12 until now no news  dry.gif
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QUOTE(cloverl3af @ Dec 27 2017, 04:40 PM)
Not surprising

Mine submitted 24/11 now still "pending".
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I submitted around same time, 5-8 December. I called in, only found out was "processing". I asked the CS, whether any follow up. Everything good? They say okay, if not someone will call.

Keep bugging them, why taking so long. Today morning, I got an email say application decline.

For more info, call the CS hotline.

I called CS hotline, they say can't help although email said so, and will inform for relevant people to call back. I said, what if no one call, they give me a number to call.

I find it fishy, immediately go call that number. Marketing department say can't help me, unless I remember who initially served me. I said why would I want to remember that?

I guess good riddance. This is for Visa Signature, I'm not sure what will happen after signing up or other tiers. Maybe I'm just unlucky...
dreamthief
post Dec 28 2017, 10:25 AM

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QUOTE(chonghe @ Dec 27 2017, 09:52 PM)
Last time I also received decline at first and later CS called me apparently the reason is due to "call my office no one answer"  rclxub.gif

And then she helped me appeal and finally got accepted, but took really long. I remember I applied early Nov and only got my card recently

Besides the date of HSBC is really weird. I received approval SMS about 2 weeks ago however my CCRIS somehow showed approved my HSBC end of Nov  rclxub.gif
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I think my case should be similar.... but i did mention to the first person who engaged me. I said my company is strict in all these kind of things, they won't entertain. If anything clarify with me before you decide to decline or anything.

I'm more worried CCRIS, CTOS affected my credit rating over stupid HSBC procedures. Till now, I didn't get a callback.

Like I said, either I'm unlucky, or it shows me eventual bad service from HSBC.
dreamthief
post Dec 28 2017, 02:43 PM

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QUOTE(cloverl3af @ Dec 28 2017, 10:32 AM)
I think it's bad for us because in CCRIS, it will show "pending" for a particular credit limit amount, and if this limit is high, it will affect any other loan application that you may have at this point of time.

Imagine you have a RM xx k limit "pending approval" in CCRIS, I think other banks considering your loan will take this into consideration in your approval or amount approved.
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Hmmm, the only reason now I'm still pursuing and waste my time talking to HSBC people.
dreamthief
post Jan 2 2018, 11:40 PM

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after trying for few days... still no one will talk to me, and for me to find out why my application was rejected. Shitty bank and service.... i guess i will stay away.
dreamthief
post Jan 10 2018, 10:32 PM

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Senior Member
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QUOTE(cloverl3af @ Jan 8 2018, 10:05 AM)
Any news on yours?

Mine is still "pending". I've escalated twice. No news.

I told them I just want a closure on this matter. Doesn't matter what it is.
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No call back, no nothing. crappy bank. I sort of given up.

 

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