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!

 

[sjmajumder]

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

Nothing yet 😊

 

[dvader]

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.

I changed address on my HSBC CC (Only CC relationship). Login to HSBC netbanking and I think they have the option to address via aadhar. I recently changed address on all my credit cards to my permanent address (My home village) and HSBC was the easiest IIRC. Standard Chartered was the most messy, they changed the address eaisly online however, after expiry they shipped via Bluedart even though my pin code is not serviceable and bludart would return it with status 'Pin Code not serviceable'. Upon raising complaint, they told me that I have provided wrong pin code and I had to explain them just because bludart doesnt ship to my Pincode doesn't mean it doesnt exist. They reshipped my card 3 times and each time they selected Bludart. Had to write to PNO to ship via speedpost and it eventually got delivered.

Axis was the best in delivery (surprising). They shipped via delhivery with OTP based confirmation.