Credit Card Account Missing

Rogerand · 28 January at 2:16PM

I bank with HSBC (Midland when first opened the account) and either from the beginning or soon after I had a credit card. When I accessed my account online over the weekend just gone, I noticed that it's no longer showing in my list of accounts. The weekend was the first time that I noticed that it wasn't showing there. I would probably say that I haven't used my credit card for any transactions since before the pandemic (lockdown), just not had the need too. Is there any reason why the have removed it. Please advise.

double_dutchy · 28 January at 2:18PM

I think banks will routinely do this now - if you haven't used it for 5 years it's probably expired and they won't send you a new one if you never use it

eskbanker · 28 January at 2:26PM

Rogerand said:

I bank with HSBC (Midland when first opened the account) and either from the beginning or soon after I had a credit card. When I accessed my account online over the weekend just gone, I noticed that it's no longer showing in my list of accounts. The weekend was the first time that I noticed that it wasn't showing there. I would probably say that I haven't used my credit card for any transactions since before the pandemic (lockdown), just not had the need too. Is there any reason why the have removed it. Please advise.

They should notify you if they're withdrawing the facility, so if you haven't received any correspondence about this, then complain, assuming they have your current address.

Largs · 28 January at 3:01PM

What did the bank say?

Rogerand · 28 January at 4:06PM

Thank you for the responses, it gives me an idea as to why I suddenly don't see it. I didn't received any correspondence from the bank that it was happening. I will give them a ring when I get home tonight. Thank you.

surreysaver · 28 January at 4:33PM

Maybe there's a letter in your online documents. Have you checked?

northwalesd · 28 January at 6:22PM

My OH's credit card (not HSBC but Halifax) was closed woth no correspondence, admittedly when he hadn't used it for quite a while. If it had been my card I would have complained.

born_again · 28 January at 7:11PM

After 12 months of non use can go dormant. Surprised it lasted 5 years before being closed. Should have been notifications aver that period. No doubt as someone pointed out in the online messages.