Problem paying my HSBC credit card

[Deleted User]

xylophone said:

I just wondered if anyone else on here has had trouble paying their HSBC credit card from another bank because this is certainly a first and last for me as their card is history once I do manage to clear my bill.

Paid by direct debit from Santander account with no problem.

I thought I'd heard it all but your story really does beat the band! 

Is there a payment slip at the bottom of your statement? 

I hope that you will be making a formal complaint to both Natwest and Chase.

Direct Debit is HSBC taking the payment from your Santander account - not the same as sending it and you have to set that up in few weeks in advance with HSBC.

NatWest's internet banking has a  bill payment facility that will effectively prepopulate a mandate to pay most UK credit cards - all the OP has to do is pick the right one, enter the sixteen digit card number and fill in the correct amount then send. 

PloughmansLunch

Also note that if there is an existing direct debit, last time I changed it for a HSBC credit card was a slow and antiquated process. I seem to remember a paper mandate form being sent out to me, the first one of which was lost in the post.

Jami74

I don't want to sound patronising so please forgive me if I do. Have you got the NatWest app on a mobile phone? If so could you try making a smaller payment? You must remember to select Business when making the payment and select the right sort of HSBC from the drop down menu. If it works you may be able to make multiple smaller payments.

Or, I'm not sure that it would be quick enough, but NatWest do a 0 fee balance transfer card.

friolento

Can you use Natwest telephone banking to pay that bill?

Then sort out how to use Natwest online banking on your new Mac

tenko

[Deleted User] said:

The bill payment function in NatWest internet banking should be relatively straight forward to use and pre-populated for most HSBC credit card types - you literally enter the sixteen digit card number, the value and pick a date.

Totally agree with you FredTrump it should be relatively straight forward but in my case it wasn't. I did all of the above and submitted the payment, the problem being that this flagged up on their system and I received a call from their fraud department within a minute. I answered all of their security checks and confirmed that I was making the payment without any pressure from a scammer, they declined the transaction and told me to try again.
I went through the process again and paid the bill, once again I received another call from their fraud department and once again after completing their security checks they declined the transaction, this time they said it was because I was using a device they did not recognise, meaning my Mac book.
Went into branch this morning and completed the same transaction within five minutes without any problems.
HSBC card now consigned to the bin.

tenko

penners324 said:

Sort Code, account number, 16 digit card number as the reference. Account Name will be HSBc.

Shouldn't be a problem.

I agree it shouldn't be a problem but it was. Please see my reply to FredTrump.
It's  sorted anyway but the HSBC card is now in the bin.

Emily_Joy

Shakin_Steve said:

If you can see your credit card details in the HSBC app, can you not go into the 'manage direct debit' section, or whatever it it called with HSBC, and change the account details to one at another bank?

This is an HSBC thing - if you want to set up a DD to pay your CC, you need to fill and send paper mandate. It appears mine have been lost 6 months ago and I haven't got around to sending another one yet. Sigh.

born_again

tenko said:

A while ago I opened an HSBC current account and went through their qualifying process to gain the financial incentive, I also tried to open a linked savings account for my granddaughter as the interest rate was decent, unfortunately they said I did not qualify for the incentive even though I had followed all of their criteria and I was also unable to open the account for my granddaughter for some strange reason.

 I did a current account switch to another bank and also opened an account with the Yorkshire B S for the granddaughter due to my frustration and annoyance with HSBC.

I still had a credit card with HSBC and when my latest statement was due I tried to pay them first through their app and then through online banking, both to no avail as I no longer had a current account with them and could not pay them via another bank.

I visited my local branch of HSBC and explained the situation and just wanted to settle my credit card bill, I was informed that it could not be done in branch and that I needed to contact their credit card department.

I contacted HSBC credit card and was informed that I would need to set up the payment with my bank and gave me the sort code and account number to pay into.

The account I was using to pay the bill was my Chase current account. I completed all the relevant details and tried to pay the bill, it was rejected two times and on both occasions I was asked to contact their fraud department. I did this twice explaining it was me trying to make the payment and not a scam, but this was all to no avail.

Due to my frustration at trying to complete what should be a simple task, I then transferred the money from my Chase account into my NatWest current account and tried again. I received a call from the NatWest fraud department as they had put the payment on hold.
I answered all of their security questions and was then informed that the money had been put back into my NatWest account and for me to make the payment again

I did everything again, double checking to ensure I had not made any mistakes and made the payment to HSBC.

About a minute after making the payment I received another call from NatWest fraud department telling me they had put the payment on hold again.
Once again I answered all of their security questions and confirmed that I was not being pressurised by anyone to make the payment and that it was my credit card statement I was trying to pay.

I was then asked about the device I was using to complete the transaction and explained that it was my new Mac book. I was then informed that the money was going back to my NatWest account as they did not recognise the device I was using.

I had now lost the will to live and gave up for the day, with the intention of visiting my NatWest branch tomorrow, which should be fun.

I just wondered if anyone else on here has had trouble paying their HSBC credit card from another bank because this is certainly a first and last for me as their card is history once I do manage to clear my bill.

N0t trying to pay this as a personal payment are you?

banks have "Major beneficiary's" lists for accounts like this that you should be using & the card number as reference. That will go straight through.

Or as someone else said use payment slip on bottom of statement & go to HSBC branch to pay. Cash will do nicely. 

tenko

born_again said:

tenko said:

A while ago I opened an HSBC current account and went through their qualifying process to gain the financial incentive, I also tried to open a linked savings account for my granddaughter as the interest rate was decent, unfortunately they said I did not qualify for the incentive even though I had followed all of their criteria and I was also unable to open the account for my granddaughter for some strange reason.

 I did a current account switch to another bank and also opened an account with the Yorkshire B S for the granddaughter due to my frustration and annoyance with HSBC.

I still had a credit card with HSBC and when my latest statement was due I tried to pay them first through their app and then through online banking, both to no avail as I no longer had a current account with them and could not pay them via another bank.

I visited my local branch of HSBC and explained the situation and just wanted to settle my credit card bill, I was informed that it could not be done in branch and that I needed to contact their credit card department.

I contacted HSBC credit card and was informed that I would need to set up the payment with my bank and gave me the sort code and account number to pay into.

The account I was using to pay the bill was my Chase current account. I completed all the relevant details and tried to pay the bill, it was rejected two times and on both occasions I was asked to contact their fraud department. I did this twice explaining it was me trying to make the payment and not a scam, but this was all to no avail.

Due to my frustration at trying to complete what should be a simple task, I then transferred the money from my Chase account into my NatWest current account and tried again. I received a call from the NatWest fraud department as they had put the payment on hold.
I answered all of their security questions and was then informed that the money had been put back into my NatWest account and for me to make the payment again

I did everything again, double checking to ensure I had not made any mistakes and made the payment to HSBC.

About a minute after making the payment I received another call from NatWest fraud department telling me they had put the payment on hold again.
Once again I answered all of their security questions and confirmed that I was not being pressurised by anyone to make the payment and that it was my credit card statement I was trying to pay.

I was then asked about the device I was using to complete the transaction and explained that it was my new Mac book. I was then informed that the money was going back to my NatWest account as they did not recognise the device I was using.

I had now lost the will to live and gave up for the day, with the intention of visiting my NatWest branch tomorrow, which should be fun.

I just wondered if anyone else on here has had trouble paying their HSBC credit card from another bank because this is certainly a first and last for me as their card is history once I do manage to clear my bill.

N0t trying to pay this as a personal payment are you?

banks have "Major beneficiary's" lists for accounts like this that you should be using & the card number as reference. That will go straight through.

Or as someone else said use payment slip on bottom of statement & go to HSBC branch to pay. Cash will do nicely. 

Hi, No I wasn't trying to pay it as a personal payment, I did everything as you should including my card number as a reference, the issue was that their system flagged it up as a possible fraudulant transaction and even after explaining to them twice that it wasn't they declined the transaction.
Went into my local branch and did everything the exact same way on their computer and the transaction went through without any problem.
the people on the other end of the telephone appear to be sticking to a script and don't listen to or comprehend what you are telling them, which gets very frustrating when you want to complete a simple task.

They contacted me, not the other way around and I answered all of their security questions to prove it was me doing the transaction but the last one declined the payment because they did not recognise my MacBook. Brilliant!

EnPointe

EarthBoy said:

I pay my HSBC credit card from my Starling account without any problem. 

reading the   thread ,  i suspect the problem is a 'wetware' one  for the OP  and not the fault of the banks in question.

i have no issues  paying  either the direct debit or an additional payment by transfer from my HSBC current account to my Virgin Money Credit card , but i log  in to  both  accounts regualrly  from my  devices