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I have an online CC with HSBC. Now about 6 months ago I exceeded the limit by about £10 and was charged £25 for the privelage. It was a simple mistake as I thought my limit was £50 more than it was. So do you think I'd still be able to go after getting a refund of this £25? However I don't have a statement showing this charge, would I need to get it first? Also, they increased my credit limit by £500 without asking me, without giving me any notice or anything. I had to call to stop them doing it and asked them to send out the T&Cs of the account where it states they can increase the limit whenever they feel like it. That was a month ago and still no T&Cs sent out. Is this legal for them to increase without warning, notice or asking first? As the increase will go onto my credit file as extra credit against my name.

I know you say this, about you controlling how long it takes, but having worked for the bank I can say that legally they can make you wait 8 working weeks and there is nothing you can do about it. The FSA that regulate banks stimulate that you need an acknowledgement of your complaint within 5 working days and then a resolve of that complaint within and upto 8 working weeks. smile, do the 5 working day thing and then they try to resolve with 4 working weeks (to look better or get it done as quickly as possible), but as long as all banks follow the FSA guidelines of 8 working weeks, there is NOTHING you can do to speed it up! Also, in regards to the ethical policy, people would moan at me about charging being non-ethical and I had to point out. Ethics has nothing to do with charging, the ethical policy is about where your money is invested, what types of businesses come onboard, etc the bank is still a company that has to make money after all.