Urgent: HSBC Issued Me Live+ Credit Card Then Closed It Abruptly! What should be my further steps?

[devanshdalmia1]

I’ve been an HSBC customer for over a year with a Platinum LTF credit card (₹2 lakh limit). Recently, I applied for the HSBC Live+ card due to its cashback and lounge benefits. The card was issued with a ₹1.47 lakh limit.

After receiving the card, an address verification call was conducted. Since I work remotely, I provided my HR-provided office address, but it was marked as “not verified” without explanation. I wasn’t informed of any implications at the time.

I activated the card and made purchases totaling ₹32,000 (wedding shopping, flight bookings for Vietnam, groceries, and the joining fee). However, I later noticed the card was missing from my account. On contacting customer care, I learned it had been closed, with no reason provided. I only found an email in my spam folder stating HSBC was “unable to commence the card relationship.”

Questions:

1. Can the card relationship be restarted? I value its benefits.
2. Why was it closed, and is there any recourse?
3. The joining fee was charged; do I still have to pay it?
4. Can I escalate this to the RBI Ombudsman for resolution or compensation?
5. Is visiting the HSBC Central Delhi branch worth it, given the time involved?
6. What happens to the cashback I earned?

Please advise!

 

[Anupama_Jha]

First raise the issue internally for joining fees reversal with HSBC till PNO level. Then further raise with RBI OMBUDSMAN.

 

[devanshdalmia1]

First raise the issue internally for joining fees reversal with HSBC till PNO level. Then further raise with RBI OMBUDSMAN.

Okay any particular things should i follow, where should i mail?

 

[Anupama_Jha]

Okay any particular things should i follow, where should i mail?

Link 🔗 https://www.hsbc.co.in/help/feedbac...vance-redressal-mechanism/non-demat-accounts/

 

[devanshdalmia1]

View attachment 76668
Link 🔗 https://www.hsbc.co.in/help/feedbac...vance-redressal-mechanism/non-demat-accounts/

Thanks a lot got it!

 

[RAMESH BABU N]

Strange to see a in-use-card, freshly issued n billed, is cancelled by HSBC.

Is it because of your income status - salaried - but - not verifiable ? In such cases (including WFH), they ask you to send emails from your company given official email id.

Or, is it because your company's data/details are untraceable by the bank's backend team ?

Write to Grievance Teams (level 1, 2 n then to their PNO). It can be revived if you can use your official company given email id to communicate with them.

If nothing works, you can move RBIO only if PNO says no.

 

[devanshdalmia1]

Strange to see a in-use-card, freshly issued n billed, is cancelled by HSBC.

Is it because of your income status - salaried - but - not verifiable ? In such cases (including WFH), they ask you to send emails from your company given official email id.

Or, is it because your company's data/details are untraceable by the bank's backend team ?

Write to Grievance Teams (level 1, 2 n then to their PNO). It can be revived if you can use your official company given email id to communicate with them.

If nothing works, you can move RBIO only if PNO says no.

Okay got it, thank you sir,
its probably because they couldnt verify me as a salaried person.

 

[kuchbhi]

pno is better suited in this situaton that is pnohsbcbank@hsbc.co.in
when complaint is raised from above levels the authorities under him complete task seriously!

 

[devanshdalmia1]

pno is better suited in this situaton that is pnohsbcbank@hsbc.co.in
when complaint is raised from above levels the authorities under him complete task seriously!

thanks will send mail directly to this email id

 

[roygarg]

Did you directly approach PNO? I have another issue and they are making me run in circles with regard to my 2nd HSBC CC application and wondering if I should directly reach out to PNO.

 

[kuchbhi]

Did you directly approach PNO? I have another issue and they are making me run in circles with regard to my 2nd HSBC CC application and wondering if I should directly reach out to PNO.

try try .

 

[roygarg]

try try .

I have mailed to digital.leads@hsbc.co.in and cardsupport@hsbc.co.in. If no response, will write to PNO.

 

[bkext]

If anyone knows how to change address in HSBC cc, please update.
Only relationship: HSBC platinum CC

Don't even have CC since 3 years and after expiry, they always despatch to office address which is 300kms away. Branch also is 300kms.
Else it will get closed automatically in Jan-2025.

 

[RAMESH BABU N]

If anyone knows how to change address in HSBC cc, please update.
Only relationship: HSBC platinum CC

Don't even have CC since 3 years and after expiry, they always despatch to office address which is 300kms away. Branch also is 300kms.
Else it will get closed automatically in Jan-2025.

So what's the problem ?

Can't your office take the card n re-post or courier it to your current address ?

If there is no one in the so-called office address, then it is a different story.

 

[kuchbhi]

If anyone knows how to change address in HSBC cc, please update.
Only relationship: HSBC platinum CC

Don't even have CC since 3 years and after expiry, they always despatch to office address which is 300kms away. Branch also is 300kms.
Else it will get closed automatically in Jan-2025.

@sjmajumder . .

 

[sjmajumder]

@sjmajumder . .

I changed mine by calling customer care.

 

[kuchbhi]

If anyone knows how to change address in HSBC cc, please update.
Only relationship: HSBC platinum CC

Don't even have CC since 3 years and after expiry, they always despatch to office address which is 300kms away. Branch also is 300kms.
Else it will get closed automatically in Jan-2025.

see you got the ans

I changed mine by calling customer care.

 

[bkext]

Thanks @kuchbhi and @sjmajumder
Will try this.

 

[sjmajumder]

see you got the ans

And it didn't end there. I got 21K as well 😀

 

[kuchbhi]

And it didn't end there. I got 21K as well 😀

i k r 😉
and hsbc closed card whut happened then?