- Report: #530362
Report - Rebuttal - Arbitrate
Complaint Review: Hsbc Mastercard
Hsbc MastercardInternet United States of America
Hsbc Mastercard Company sent letter saying I was late, and because I was good customer, was not going to impose late fee Internet
I was reading the "horror" stories, and felt compelled to offer a perspective from the other side.
I have been a customer of HSBC (and/or HFC, or some affiliate) off and on since I was a young adult trying to establish credit in the 1970's. I have had auto loans, and personal lines of credit.
I have never been at a crossroads with them. During the recent banking collapse, I too had my line of credit slashed, which resulted in my credit score taking a hit. I don't blame HSBC or HFC. The problem lies with the automated scoring system.
All that being said, last year I tried to get set up with online payments. I made some sort of mistake, and I missed a payment.
On my next statement, I was notified that because of my good standing, I was not going to incur a late payment penalty. I also received a gentle reminder of how important it is to maintain a good credit score.
I was shocked. I'm over 50, and I've missed a few payments in my lifetime. Nothing chronic or systematic, but sometimes things slip through the cracks.
This is the first time a company has not penalized me for being late.
Anyway, just wanted to offer another perspective regarding a company that has been pretty good to me.
This report was posted on Ripoff Report on 11/29/2009 08:40 AM and is a permanent record located here: http://www.ripoffreport.com/r/Hsbc-Mastercard/internet/Hsbc-Mastercard-Company-sent-letter-saying-I-was-late-and-because-I-was-good-customer-w-530362. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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