• Report: #530362
Complaint Review:

Hsbc Mastercard

  • Submitted: Sun, November 29, 2009
  • Updated: Sun, November 29, 2009

  • Reported By: jjflash — Seattle Washington United States of America
Hsbc Mastercard
Internet 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

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I came across this website by accident, not because I had a complaint with HSBC.

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/reports/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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