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Credit Card closed due to default?
marcp
Posts: 13 Forumite
in Credit cards
Hi all,
Had a credit card for many years and missed a whole 10 pound payment last year. Defaulted due to having problems contacting the bank (HSBC) to get the international codes required to transfer money whilst living in Australia.
Sent a letter of complaint and received an apology and a goodwill payment. Account is in credit and I keep getting statements. But I called them to change my address to my UK address and failed security as I couldn't remember the answers to one of the questions I set over 5 years ago. No nobody will talk to me!
That was a few months ago, yet the statements keep coming through and the account is in credit. Looking to load up a couple of thousand on there to get me started when I return to the UK.
Do people know if the account is still active, even with a default? Can I get a new card sent out when I get to the UK? And is there ANY way of getting the 'security lockdown' lifted whilst in Aus? Can an Aussie HSBC help?
Thanks,
Marc
Had a credit card for many years and missed a whole 10 pound payment last year. Defaulted due to having problems contacting the bank (HSBC) to get the international codes required to transfer money whilst living in Australia.
Sent a letter of complaint and received an apology and a goodwill payment. Account is in credit and I keep getting statements. But I called them to change my address to my UK address and failed security as I couldn't remember the answers to one of the questions I set over 5 years ago. No nobody will talk to me!
That was a few months ago, yet the statements keep coming through and the account is in credit. Looking to load up a couple of thousand on there to get me started when I return to the UK.
Do people know if the account is still active, even with a default? Can I get a new card sent out when I get to the UK? And is there ANY way of getting the 'security lockdown' lifted whilst in Aus? Can an Aussie HSBC help?
Thanks,
Marc
0
Comments
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Might rephrase - can credit card companies close a card after one default or if the account is in credit?0
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