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Posted on 08 / 12 / 2006

My premier card from HSBC comes with nice offers, and from their premium offering, the service is consistent and polished. My only problem has been the lack of flexibility in the late payment charge policy. This is not much to whinge about, as I am sure most credit companies are the same.

If you do not meet the late payment, the sting in the tail can be fierce, and the excess of limit charges has been at least £60 on two occasions. It is important to pay on time and I continue to pay my bills on time after this hard shock.

Like most banks and large companies they have problems when you recently move your address. They have been sending my statements to my previous addresses and luckily the couple there have happily forwarded my post to my new address.

This has forced me to conduct all my business banking affairs online, but it would still be nice if HSBC would keep up their side of the deal. ie, once informed of my nw address, sending my mail there.

Like with all large organisations, the lack of the 'human' factor weighs heavy, it's such a faceless company with just a telephone number, it seems so cold.

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User - fpiddle

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Largest bank on the high street, and the third most popular credit card.

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Telephone - 0800 731 8918 - Lines are open 8am to 10pm Monday to Friday
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