Hongkong & Shanghai Banking Corporation [HSBC]

Hongkong & Shanghai Banking Corporation [Hsbc] — Credit card application rejection without proper reason

Harish Kumar Soni

from Mumbai, Maharashtra

Address:

Raigad, Maharashtra, 410210

I have applied for hsbc credit card on date[protected]. An agent from intelinet global service pvt ltd. Has collected multiple document from me for id and address proof, salary slips and other relevant documents. I even got verification call from hsbc after 2 days. On 9-jun-17 i got mail from hsbc stating that my application is not inline with bank's credit policy and they are able to issue me credit card. If i again want to apply for credit card at hsbc i wait for 6 months.

Hsbc has rejected my application without giving any specific reason and on top of that they are asking me to apply after 6 month. I don't understand if i am not provided with the proper reason of rejection this time, what is the chance next time this will not happen again.

I raised the concern with hsbc for giving me the exact reason of rejection. I took them 5 days to track my application. After giving enough information they replied back with same generic line and no specific reason.

I need a specific reply for rejection or issuance of credit card from hsbc.

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Hongkong & Shanghai Banking Corporation [HSBC] customer support has been notified about the posted complaint.

Jul 06, 2017

Updated by Harish Kumar Soni We are still on the same page and things are not moving ahead. This generic reply I already had month ago and I have not waited this much time to see this again. Atleast change the wording it looks like you have standard sets of mails to be forwarded.

This is not acceptable to me. Still urge to give me a specific reason for rejection of my credit card application so that same will not repeated by while applying next time.

Here is the reply from HSBC and its again the same generic copy paste type of reply:
...
Dear Mr Soni

Reference Number [protected]

This is further to our email dated 23 June 2017 and to our discussion
dated 05 July 2017 at 3:33 PM on your mobile number 099071XX196
regarding your above mentioned HSBC account.

It is indeed very unfortunate that you have had a cause to complain
about our services. We regret for any inconvenience caused to you in
this regard.

With reference to your complaint, we confirm having given your
application our full consideration and regrettably are not in a
position, at this time, to offer membership to our credit card programs.

We would like to take this opportunity to advise that the bank’s
decision is based on several factors and non-approval of the application
does not in any way reflect on the applicant’s credit standing or
financial status. We regret that we are unable to help on this occasion.

Mr. Soni, we trust that the measures taken in this regard have been
transparent and the explanations given clarifies the Bank's stance.
Although, we understand that this does not alleviate your own situation,
we assure you that at HSBC we are committed to good service and it is
always our primary endeavor to serve the best interests of all our
customers.

We assure you that we value your relationship and would like to assure
you that any inconvenience caused to you in this regard was
unintentional.

We thank you for taking the time to contact us. If you wish to seek
further clarifications, please write to us or call our Phone Banking
Service, quoting the above mentioned reference number.

At HSBC, we endeavor to provide our valued customers with the best of
service experience, at all times. If at any stage, you feel that our
service levels are not up to your expectations, we request you to visit
the link mentioned below:

http://www.hsbc.co.in/1/2/miscellaneous/grievance-redressal

Assuring you of our best of services always,

Yours sincerely

Priyanka Basu
Customer Service Manager
The Hongkong and Shanghai Banking Corporation Limited, India (HSBC)

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