Hi friends, I have been using my HSBC credit card for almost a year now. There are no hidden charges associated with it. Be sure to read the terms and conditions document once you receive the credit card; that itself will clear most of the confusions. Make sure you clear the %u201Clife time free credit card funda%u201D by just calling the customer care number mentioned in the document and be make sure that your card is a life time free card or not. (As most of the sales people lie while issuing the cards). If you find that its not a life time free credit card break the card into 4 pieces and mail it back to them as soon as possible. Be sure of your last statement date and plan your purchases after that and avail the credit period of the full 50 days. ie if your last statement date is July 9th 2007 then the payment date for the shopping done after July 9th will only have to be paid on or before August 29th (after 50 days). And as mentioned in the previous mails be sure to give at least Rs 5 to Rs. 10 extra on the billing amount ie if your bill is around Rs 29,843.30 pay Rs 29,850 and be on the safer side. Always have an idea on the amount of lavish shopping that you do and be sure you will be able to pay them off by the payment date. And please be sure to keep a track on the expenses you make and keep a record for the same and if you have an online account then keep a track at least for 2 days. Credit card has helped me a lot in many crutial situations; make sure you use it properly an
RE:Some tips I would suggest
by your friend on Jul 18, 2007 03:39 PM Permalink
You should visit Rediff more often to hear the horrid stories of HSBC card holders.
