BEST BUY HSBC UPGRADE

[alsawye]

I have a bestbuy rewardzone MC GOLD from HSBC that i got 06/08, it comes with a $60 AF, i want to upgrade it to i believe it is the platinum so that i would have no AF, does any1 have experience with this and whats the best route to go? should i call the hsbc backdoor number for a credit analyst or the number on back of card

[Red1Blue]

HSBC rarely waives the AF or upgrades this card. You can call them and ask them to reduce the AF. That is best out come you can expect from HSBC.

[YoungEntrepeneur]

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@Red1Blue wrote:
HSBC rarely waives the AF or upgrades this card. You can call them and ask them to reduce the AF. That is best out come you can expect from HSBC.

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I agree

[alsawye]

thanks for the quick responses, am i better off using frontline or backdoor number, and should i ask ahead of time or wait til after it charges

[YoungEntrepeneur]

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@alsawye wrote:
thanks for the quick responses, am i better off using frontline or backdoor number, and should i ask ahead of time or wait til after it charges

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Try calling before they charge you. If they don't give you what you want, wait until they charge you the annual fee.

[alsawye]

sweet do you think it actually matters how far in advance, my 1 year mark is in june, should i wait til the end of may, and should i just use the reg CSR number

[YoungEntrepeneur]

Call the number on the back of your card and ask the rep to transfer you to a manager. Call them at the end of May to be on the safe side.

Message Edited by YoungEntrepeneur on 04-01-2009 12:24 PM

[enerey]

I have this card and was just hit with the $59 annual fee, which took me over the credit limit($300.) I called the number on the back and told them I wanted to cancel the card because of the fee. They transfered me to an account manager who waived the fee so I am keeping it for another year.

[alsawye]

thanks for the info, i am not worried about going over limit($300) cus i dont carry a balance but i just dont wanna pay a fee, so i think it sounds like i have better odds of calling after it charges to get it waived

[nicemann]

I just canceled my HSBC BB MC about 3 hours ago.  About two months ago I called and asked to cancel because of the AF ($59) and the CL of $300.  They refunded the $59 (for the year I was in) and uped my CL by $100.  Then I just got charged the AF on my last statement.  I called to get that refund and they refused since I just had my old one refunded 2 months earlier. 

$59 AF for a $400 CL is a joke.  Especially when I have over $25,000 CL with BoA with no AF.

Told them to cancel it and they won't see me again.

Message Edited by nicemann on 04-08-2009 04:41 PM