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Does HSBC send rejection email if our credit card application is rejected?
- Thread starter b4bhar
- Start date
RadTheCrab
TF Select
Unfortunately, HSBC doesn't show card details in the app, so physical card is mandatory for the first transaction.
b4bhar
TF Premier
Got the card and make 6k worth transaction in Dmart for groceries. Hoping for 10% cb. I need to spend 4k more within 30 days to get 1k apay voucher
RadTheCrab
TF Select
Nice! You can check with customer care if your transaction is eligible for 10% cb or not. You can either call them or chat with them via mobile app (like I did & they confirmed that my DMart transaction MCC Code was 5411 which is eligible for 10%).
b4bhar
TF Premier
Did you chat with them after the transaction was settled? Currently the transaction shows as pending
RadTheCrab
TF Select
Yes, only after the transaction is settled can they tell you the merchant's MCC code.
b4bhar
TF Premier
The surprising thing is the customer care confirmed the MCC is 5411 and is not eligible for cashback. He swiggy (5499) is eligible though . I'm confused now whether to continue making dmart purchases
RadTheCrab
TF Select
Lol! They are confused themselves. I had a chat with CC yesterday about a grocery order I placed on amazon, they said that the MCC code for it is 5411 and I should get 10% for it.
After reading your message, I wanted to double check and so reached out to them again just now, and now they are saying some of my 5411 transactions are eligible while other 5411s are not. I guess we'll have to wait till the cashback gets credited to find out.
b4bhar
TF Premier
That's incorrect information, isn't it? It's clearly mentioned that cashback is based on MCC defined by VISA. So, if its 5411, it should be eligible. Also, many confirmed that dmart was indeed eligible cashaback. So, this is really surprising.
I'm keeping my fingers crossed 🤞
Anyway we will get 1000 voucher for 10k spends though
RadTheCrab
TF Select
As I said, they are confused themselves. Below are the screenshots of the conversation I referred to in my previous message -
P. S. - Avenue Supermarts Ltd. = DMart
Attachments
b4bhar
TF Premier
I still can't believe the thought process behind this - payment done using amazon pay upi wallet. If so, why the hell would that reflect on your credit card as a transaction? It would rather be on the apay wallet.
But, finally he says all transactions with MCC 5411 are eligible, right?
pprakash11
TF Prestige
Its just HSBC Bank is foreign, their customer care executives are as useless as ICICI L1
b4bhar
TF Premier
Also, do we need to wait until the transaction is settled for asking the customer care for the MCC or can we ask the MCC immediately after doing the transaction?
pprakash11
TF Prestige
Post the transaction is settled, then only they can provide the MCC
Kumar93196
TF Legend
If you received this than wait for a few days you will recieve a call for further documentation and information and you card will be approved
Riya
TF Legend
Did you checked the date on the mail? You think I am still waiting for their call 🤣
Kumar93196
TF Legend
😂LOL my bad
I am 110% sure you got the call from hsbc but won't be able to answer on time.
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