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HSBC Card Not Wiping From Report?

1.1K Posts

Towards the back end of 2019 I opened two credit cards with HSBC. The Advance Reward card and their Balance Transfer one.
I managed to pay the BT one a lot sooner than I thought and realised I also wasn't using the reward one either and closed these both down in June 2020.
The BT card wiped straight away from my report, but my Advance one is still showing as active. I've since tried to contact HSBC on numerous occasions who are just blaming the Credit Reference Agencies.
Now I've had this happen before with a Lloyd's current account. Where I'd switched but there was a remaining balance on £0.12 on the account. With such a low amount they never informed me, nor did this show up on my report, and took a while to find it when I chased them up, I had to go into branch and pay it and the account was then closed and removed from my reports.
But trying to explain this to HSBC on the phone was like pulling teeth. I don't know if this was the same situation, but I don't know where else to take this?
I managed to pay the BT one a lot sooner than I thought and realised I also wasn't using the reward one either and closed these both down in June 2020.
The BT card wiped straight away from my report, but my Advance one is still showing as active. I've since tried to contact HSBC on numerous occasions who are just blaming the Credit Reference Agencies.
Now I've had this happen before with a Lloyd's current account. Where I'd switched but there was a remaining balance on £0.12 on the account. With such a low amount they never informed me, nor did this show up on my report, and took a while to find it when I chased them up, I had to go into branch and pay it and the account was then closed and removed from my reports.
But trying to explain this to HSBC on the phone was like pulling teeth. I don't know if this was the same situation, but I don't know where else to take this?
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It'll be resolved once business returns to some kind of normality, but it won't be doing you any harm However, you could go to the ICO if it bothers you, though it won't be a quick process.
It’s active for 2020, greyed out for September and then remains active again up until this month. Which is my concern
The problem comes when some has a 999 or high credit score and gets rejected the first thing they say is I have a “perfect credit score”.
People get a bit wary as so many CRA’s/Free reports try and get you to take more credit or into debt with offers/marketing and I think that’s what they are mostly warning against.
But glad you’ve used it to help yourself out