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I've had similar results - though my income is all interest & dividends (not super - I'm a retiree but have not yet reached preservation age) all of my income is dividends and interest received and distributed through a family trust. One of the reasons I think I find it relatively easy is that...

I had it from cancellation in October to end January when my status year expired.

Oh, absolutely, but it doesn't look like there were fraud challenges in this case, and I was basing my expectations of the chargeback / dispute / arbitration process around the two most likely dispute processes given the description of the way it played out. I posted more information about the...

You definitely need to start with an official complain process with HSBC - AFCA won't want to look at it until you've had an unsatisfactory result from the official complaint process. You're most likely @mpogr to get satisfaction if you start your complaint with "I want to make an official...

You should get the money back in your account, reducing your balance (albeit held, until the dispute is resolved) within 5 days: 4.1.13.1: In the AP Region, Canada Region, CEMEA Region, LAC Region, US Region: An Issuer must provide provisional credit for the amount of a dispute or an...

And the thing is that a fraudulent transaction is the easiest chargeback of all to prove, and so it is passed back to the merchant, or if the merchant can't be made accountable, the merchants bank. The OP was annoyed with the card issuer for two reasons: One - it took 3/4 of an hour to get...

No, that's not how chargebacks work. The card issuer (HSBC) doesn't bear a loss if the charge is deemed valid. The customer pays. If the charge is deemed invalid, the issuer claims the charge back (and costs) from the accepter - the account that made the charge. The card accepter's bank...

<redacted> who's out of pocket: Credit Card Offers - HSBC Star Alliance Credit Card: Fast-Track to Star Alliance Gold Status

This sounds too much like a non-official website for the ETA capturing your details and acquiring the ETA on your behalf, to not raise suspicion. These are rife in the ESTA space. Assuming that the UK government hasn't been hacked, can you be certain that you applied for your ETA on the...

No, they haven't. Right now, the customer has lost $16,000. HSBC will (should) initiate a charge-back on the financial institution that requested the payments. If successful, HSBC will have lost nothing, and the customer will have lost nothing. And there is nothing to suggest that it won't...

I reckon that they have a very good idea of how many people will: Keep the card because it is too much trouble to cancel before the annual fee is charged, and won't cancel once it is, and Keep the card despite the fee because they have almost enough points, so want to keep earning for a given...

I called the 02 9005 8114 equivalent that they list for overseas callers - I find, so often, that the non-1300 numbers are clearer and often quicker. Yeah, I'd call premier this time.

I spoke to HSBC today - I was told, bizarrely, that I qualified five months ago - even though I got a letter two months ago saying that I would qualify in two months, and I knew that, according to their rules, that I would qualify on the 3rd of Jan this year. They transferred me to the premier...

Thanks. My six-month mark is today, so I'll be going through this process early next week, so good to know the ins and outs. We have a branch next to our usual supermarket, so I'm tempted to walk in and try to do it in person.

Almost identical situation and dates.

Reminds me of CBA NAB Latitude CitiBank I am in the middle of a farcical situation with Commbank / Commsec trying to change closed email addresses for dormant accounts for cash management accounts for chess sponsorships in the name of AS TRUSTEE FOR accounts. Commsec say it is a bank issue...

I was trying to fast-track instant Premier status by dangling that carrot. I'm very happy with most of Macquarie (but don't have a home loan so can't comment). Sorta half-annoyed that they changed the T&Cs on a good CC a while back, but I moved on pretty quickly, and, TBH, their security is...

Bugger. They can take months; we escalated by saying that we had a choice - flying United or Air Canada, and unless they could unlock the account more quickly than six months (which was what the initial quote was), we'd be flying United. They managed to get things sorted more quickly. It...

I must have struck the "No soup for you" local branch (or they've tightened up the rules in the last 12 months or so) as when we asked 5 months ago (with an offer of we can bring our substantial banking from Macquarie to HSBC) were told "No, you have to qualify like everyone else".

And did they?