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Message: <blockquote data-quote="mbj" data-source="post: 966929" data-attributes="member: 16263">I thought of write this letter to acknowledge you regarding the usage of HSBC credit card. Please think twice before you use that credit card as they charge their interest on Total Invoice value anyway (I mean even you re-pay 90% of your outstanding within the 51 days and before Invoice mentioned last date)But other credit card companies charge their interest only for the balance amount deducting your payment. I know this very well, cos I'm using 3 credit cards and I found the above tactics of HSBC in my last Invoice.My Opening balance was - 47KI have done payment of - 46KMy Balance was 1KBUT ultimately my Interest was 1K (interest on opening balance)total carry forward amt. - 2kaccording to HSBC call center representatives the answer was as follows (I tried to meet one of their manager, but they didn't allow me to do so, even I went their premises I had to get this details only by over the phone. they don't allow you to meet any manager)"we informed you regarding the changes of this interest methods of HSBC and this is the current method of HSBC. This may changes time to time. at the moment we are charging on opening balance of the invoice, if you failed to pay the full amount even though within 51 days and before invoice mentioned last payment date"I think it better to say Local Exploit Bank rather than Worlds Local Bank.So my dear friends please think twice before you use HSBC credit card and please forward this among your friends.If you know any email address of HSBC, please kindly forward this.</blockquote>

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