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Review of the HSBC, Credit Card:

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Extremely Disappointing with Credit Card Application

I am extremely dissatisfied with my recent experience applying for a credit card with HSBC. After submitting an online application, I received no confirmation email or reference number, an immediate red flag in terms of customer communication and process transparency. Following up by phone, I was shocked to be told by the customer service team that they had no visibility of my application whatsoever. This is deeply concerning, especially given that a hard search has clearly appeared on my credit report. If a search has been conducted, then the application has gone through on some level, so where is my information and why can’t their systems track it? The suggestion I received from the call centre to physically go into a branch to resolve this is completely unacceptable in 2025. In an age of digital banking, I find it baffling and frankly absurd that HSBC’s internal systems are not integrated well enough for phone support staff to access or verify online applications. This disconnect between digital and in-branch services is archaic and undermines customer confidence. Even more concerning is the implication that customer service representatives lack the necessary authorisation levels to deal with such a basic issue. Why offer online services if the infrastructure and staff training do not support them? This experience has not only wasted my time but may also have caused unnecessary damage to my credit score through a hard search for a credit product I now have no clarity on. One could argue that this raises potential breaches around consumer protection and fair treatment under FCA principles, as well as issues regarding transparency and data handling under GDPR. I expected better from a major bank like HSBC. This level of service is not only frustrating it’s unacceptable. I would urge HSBC to review and modernise their application tracking process, improve internal communication across service channels and ensure that applicants are treated with the transparency and respect they deserve. Reviewed on: 17th April 2025

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