Dear Sir,

Good day.

I'm writing to file a complain on HSBC bank that decline my application without any reasons given despite I've fulfilled their minimum requirement.

Since they refused to disclose the reason, therefore I want to escalate this to Bank Negara Malaysia to instruct HSBC to disclose the reason why my application being declined despite I'm debt free, annual income is over their published minimum income requirement for that particular credit card.

I believe that as a consumer I have the right to know the reason why being declined and this seriously affecting my good credit reputation.

I'm looking forward to hearing from you.

Thank you.
Regards,
xxx