Yeah! I am a “proud” customer of HSBC. Yeah!! I also know you’ll laugh at me for my stupidy for keeping a HSBC Credit Card. But still, I want to share my “latest” experience with HSBC bill payment.
I paid my last credit card bill on the due date using HSBC EasyPay machine at Moratuwa Branch. I got a receipt having the date (which is the due date), time, and the amount I paid. However when I got the next bill, I realized I was charged Late Fee and Interest. Altogether it was around Rs 5000/-. I called the customer “service” and the response was that I have to pay before 3pm to credit on the same day. Yeah, it is fair enough, only if it is mentioned somewhere clearly. But HSBC clearly wants the customer to be mislead!
If the machine says that I have paid it on a given day, why can’t HSBC accept the fact, even though they open those envelopes in the following day?
In tiny letters the machine carries the message “The payments received before 3pm will be credited after 7:30pm in the same day.”. Okay!, does this only mean, “payments received after 3pm will be credited in the following day”? Can’t I assume, the payments received between 3pm and 5pm will be credited after 10pm? My question is, why do they only just “imply” the message? They could have just said, “The payments received after 3pm will be credited in the next working day”
Even the EasyPay site boasts about “24 X 7 availability”. Why can’t they say the above in a line or two?
They asked me to send a Fax. The rep “advised” me not to use the term “mislead”. Instead, asked me to “plea” for a refund. Then they’ll consider to refund atleast a fraction of it. My answer was “Go to hell!”.