HSBC put me onto Debt Collections when I'm not in debt?!

meer53

Credit cards and bank accounts, even when operated by the same bank aren't linked. You can have as much money as you like in your bank account, but if you spend more than your available credit on your credit card, no-one is going to check it for you and move money between the two accounts. Thats your job.

Charge cards very often don't have set limits as they have to be paid off in full each month, why not ask for one of those ?

Any HSBC card that is over the limit will be dealt with by a different department from the normal banking department. It indicates a problem with your finances, the Money Management Team usually deal with these queries.

I agree with other posters regarding paying for your mobile, it would be much better to set up the DD on your cheque account. If you always have funds in there, then there is no risk of it being cut off again is there ?

Gemma__3

I see you ignored my question

peachyprice

bobwilson wrote: »

To top it off, giffgaff have now stopped my mobile phone, so I'm stuck without a phone,

Just top up with your debit card or take cash to a paypoint to buy a top up voucher. Your phone will work within an hour or two. No big deal.

CKhalvashi

bobwilson wrote: »

is HSBC premier the same thing?

I find barclay's customer service atrocious.

HSBC Premier does come with some advantages, but it's still retail banking and you need £50,000 of savings/investments, or a £300k mortgage and £100k of income, IIRC.

My company banks with HSBC Corporate, and I bank with HSBC Private Bank, which Kris has highlighted in the post below.

You need £2m in investments/borrowings to bank with this division.

krisdorey wrote: »

http://www.hsbcprivatebank.com/plan/wealth-management.html

CK

Gemma__3

peachyprice wrote: »

Just top up with your debit card or take cash to a paypoint to buy a top up voucher. Your phone will work within an hour or two. No big deal.

I asked that but I never got an answer. I guess he might get a reward or something paying on his CC?

peachyprice

Nah, I think he was just trying to add a bit more drama

And what kind of millionaire businessman used Giffgaff payg? And only has a £6.5k credit limit?

Gemma__3

peachyprice wrote: »

Nah, I think he was just trying to add a bit more drama

And what kind of millionaire businessman used Giffgaff payg? And only has a £6.5k credit limit?

Unless its giffgaff premier or something us mere mortals can only dream of using :P

If he was a millionaire surely he would be a HSBC premier customer?

antrobus

Mmmm.

Perhaps what the OP really needs is something like the Amex Centurion or the JP Morgan Palladium. No worries about such trivialities as credit limits with those cards.

wealdroam

antrobus wrote: »

Mmmm.

Perhaps what the OP really needs is something like the Amex Centurion or the JP Morgan Palladium. No worries about such trivialities as credit limits with those cards.

He certainly needs something... that's for sure.

mattyprice4004

Gemma_ wrote: »

Unless its giffgaff premier or something us mere mortals can only dream of using :P

If he was a millionaire surely he would be a HSBC premier customer?

I think the OP is a bit of a dreamer - anyone with an ounce of common sense would understand that:
- it's not their responsibility to manage your money.
- they can't just instantly pull more money from your current account

Most importantly, anyone with common sense would know what their credit limit is, and not go over it.