Jump to content

 

BankFodder BankFodder


Sign in to follow this  
thebloodster

Credit Card Application

style="text-align:center;"> Please note that this topic has not had any new posts for the last 605 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I was wondering what people were thinking of the letter I received from HSBC regarding a recent credit card application I had with them.

 

In March I applied for a HSBC credit card in order to do a balance transfer after checking playing like Money Saving to see how eligible I was and came back 90/95%. After getting the reference number saying my application was being processed I left it at that expecting an email within the 5 days they would let me know.

 

After over a week I heard nothing I called them to check. It was on this occasion I was told they had no record of my application. Unfortunately I didn't make a note of the first reference number but I never needed this before

 

. After speaking to them they said the issue was I said that I had an account with them when I said I didn't. I have a mortgage with them and never thought of this as an account as such like an current account. It was only when I I was on the phone to them I looked at my mortgage reference number I never realised the 14 digit number was a sort code and account number together.

 

I told them I was going to leave it then and got a credit card through the Post Office paid in 3 days!

 

SI left it and then I got a letter from HSBC telling me my application had been unsuccessful.

 

Funny that considering they said I hadn't applied.

A month or so later I got a letter saying you have been successful in my credit card application! I didn't apply again and it appears that they randomly reapplied for me hence the attached letter.

 

To me it seems they are running a little scared as they are offering me £100 in compensation. Yes this would be nice but I would think banks usually offer a minimum compensation and I'm wondering if I take this to the Financial Ombudsman may they be in bigger trouble and have to compensate me much more.

 

Just wondering what peoples views on this are?

HSBC1.jpg

HSBC2.jpg

Share this post


Link to post
Share on other sites
Sign in to follow this  

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...