HSBC

[Jnbmom]

DH has had this card for about 8 months started at 1K got an increase soon after opening to bring to 3K. We figured well I figured to try for a CLI, I did not realize we had his EQ locked. I honestly don’t remember locking it, anyhow they didn’t give increase b/c EQ was locked fair enough.

However they locked him out of his account online and said he needed to call their fraud department , I find this a little ridiculous, I can see them asking him to remove for CLI request, but totally locking him out.

This card was in SD anyhow so we may just close it after they unlock it,as this is on my list of possible closure

[AllZero]

That's kind of wacky to lock him out.

RIP HSBC

[M_Smart007]

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@Jnbmom wrote:
DH has had this card for about 8 months started at 1K got an increase soon after opening to bring to 3K. We figured well I figured to try for a CLI, I did not realize we had his EQ locked. I honestly don’t remember locking it, anyhow they didn’t give increase b/c EQ was locked fair enough.

However they locked him out of his account online and said he needed to call their fraud department , I find this a little ridiculous, I can see them asking him to remove for CLI request, but totally locking him out.

This card was in SD anyhow so we may just close it after they unlock it,as this is on my list of possible closure

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When was the last time the card was used?

[Anonymous]

They are well known for ridiculous fraud policies but that ones next level stupid. 

[M_Smart007]

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@Anonymous wrote:

They are well known for ridiculous fraud policies but that ones next level stupid. 

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Not really "stupid",  You just Don't understand HSBC's level of Security.

They Don't Call it "World Class" just for the heck of it.

Right now I have just Shy of $250,000 cash in their HSBC Direct Savings.

Honestly, I sleep well at night, knowing some fraudster will never be able to get at it.

I have The HSBC Premier Card and Cash Rewards card with a combined limit of $75,000

I have had ZERO issues with My cards. Customer Service has been top notch IMHO.

Just Ask @Anonymous about HSBC? 

[Jnbmom]

Sorry but just b/c you have a lock in your report, shouldn’t trigger his account locked.

[M_Smart007]

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@Jnbmom wrote:
Sorry but just b/c you have a lock in your report, shouldn’t trigger his account locked.

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When was the last time the card was used?

[Anonymous]

I see both sides of it. Sorry for the trouble OP, but at least you know that they secure your accounts if anything is remotely fishy to them (not saying this is fishy in any means, just in general)

[Jnbmom]

It’s been a few months since usage.

I am all for protection on my accounts, I just think this is a little overkill . I just thought the CLI was denied when we got letter mentioning no access to credit report, but they never called or sent letter regarding the account lock .

[Anonymous]

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@Jnbmom wrote:
Sorry but just b/c you have a lock in your report, shouldn’t trigger his account locked.

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Correct. Absolutely stupid. A fraud alert and a freeze are two different things.