Daniel came across this page while logging in to his credit card account. “I can sign up, sign up, say yes or be reminded later. I couldn’t find anywhere on this page that would let me say ‘No, I don’t want this’,” he writes. “It seems kind of, well, wrong to not give a customer the option to NOT opt in.”
Reader Chandra wrote to us today about her short-but-tumultuous relationship with HSBC’s credit card division. In the span of two months Chandra applied for a card, made a $300 payment (mailed 8 days early) on a $700 balance, got hit with a $35 late fee and a $15 pay-by-phone charge, and cancelled her account. She claims to have good credit and is just baffled by HSBC’s inability to process a payment without assigning a penalty.