HSBC Online Credit Card

[Sparcia]

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.

[richardsimkiss]

i'm not so sure about the the changing of credit limits, but for a one-off charge of £25 i'd try approaching the bank informally asking for the charge to be refunded as a gesture of goodwill to keep you as a loyal customer. Would certainly be worth a try anyway as the 'legal' route could be a lot of hassle for a comparitively small charge.

 

Good luck in getting it back whatever you decide to do

[Sparcia]

This topic was closed on 03/05/19.

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