HSBC Platinum 60,000 $199 fee

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Dr Ralph said:
Given no one has ever got the points for this deal, I'd recommend you walk away now.

There are plenty of other deals out there from banks that don't make you work so hard.
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Thanks Dr Ralph. I think I will be looking elsewhere now....What are your thoughts on Macquarie generally in regards to getting points and applying for CC's?
 
hb13 said:
Thanks Dr Ralph. I think I will be looking elsewhere now....What are your thoughts on Macquarie generally in regards to getting points and applying for CC's?
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I've not had any problems with Macquarie. Have had multiple cards with them.

However others have reported them to be tough on lending criteria.

Ive found Amex the easiest in terms of lending criteria. They didn't even ask me to substantiate my income during my most recent application. And they didn't check my Veda either.
 
Dr Ralph said:
I've not had any problems with Macquarie. Have had multiple cards with them.

However others have reported them to be tough on lending criteria.

Ive found Amex the easiest in terms of lending criteria. They didn't even ask me to substantiate my income during my most recent application. And they didn't check my Veda either.
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Yeh I have always had good experiences with regards to Amex. I'll try for Macquarie tomorrow and see how I go.

Thanks for your advice, much appreciated!
 
hb13 said:
Yeh I have always had good experiences with regards to Amex. I'll try for Macquarie tomorrow and see how I go.

Thanks for your advice, much appreciated!
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If your next application isn't successful give things a rest for a few months.

There are sure sure to be generous offers available in 2017.
 
Dr Ralph said:
If your next application isn't successful give things a rest for a few months.

There are sure sure to be generous offers available in 2017.
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Yeh I think that if Macquarie declines me I'll wait 4-5 months before getting back into it. Having recently switched utilities providers as well, I have gotten credit hits for that so I think all these credit checks must be causing some issues unfortunately. Because I satisfy the financial requirements and I have never had any defaults/bankruptcies and have always paid my bills on time. I still don't understand what's taking us so long to implement comprehensive credit reporting! It really is frustrating.
 
Email today from Complaints Dept:

'As per request Dr Ralph, we have waived the $199.00 Annual Fee effective 15/12/2016. This adjustment will reflect on your next statement cycle.'

The matter was quickly resolved once it got to the right people at HSBC.

I continue to encourage others impacted by HSBC's failure to award bonus points in accordance with the terms of their offer to lodge a complaint. There is every chance that you will also get the fee refund. 60,000 points for $0 is worth the small effort it will take.

[TABLE="class: transactions bottom10, width: 548"][TR][TD]Date[/TD][TD]Who[/TD][TD="class: align-right, align: right"]Amount (AUD)[/TD][/TR][/TABLE][TABLE="class: transactions bottom10, width: 531"][TR][TD="class: grey"]15 Dec[/TD][TD]ANNUAL FEE REFUND[/TD][TD="class: amount, align: right"]$-199.00[/TD][/TR][/TABLE]

 
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Dr Ralph said:
Email today from Complaints Dept:

'As per request Dr Ralph, we have waived the $199.00 Annual Fee effective 15/12/2016. This adjustment will reflect on your next statement cycle.'

The matter was quickly resolved once it got to the right people at HSBC.

I continue to encourage others impacted by HSBC's failure to award bonus points in accordance with the terms of their offer to lodge a complaint. There is ever chance that you will also get the bonus points. 60,000 points for $0 is worth the small effort it will take.
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Thanks Dr Ralph,

Good job on the 60k points for $0.

I sent a letter through net banking and got a "we will respond within 2 days", that was 3 days ago. I'll be escalating this today.
 
60,000 reward points now showing online in my HSBC account.

Just waiting for the transfer to QFF account to take place.

[TABLE="class: inputs"][TR][TD][h=3]Qantas Points[/h][/TD][TD][/TD][/TR][TR][TD]Points to be credited[/TD][TD]60,000[/TD][/TR][/TABLE]
 
Appears that they haven't changed the terms of the offer:

'Bonus points will be credited within 2 months of eligible spend criteria being met.'

May be I should cancel and apply again :)
 
Dr Ralph said:
Appears that they haven't changed the terms of the offer:

'Bonus points will be credited within 2 months of eligible spend criteria being met.'

May be I should cancel and apply again :)
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Can't expect too much!

Well if anyone can do it, I'd be backing you in.
 
Interesting how this thread has transpired. Thanks for your effort Ralph. I have this card and I also enjoy giving it to the banks (especially when they're legally in the wrong).

I'm sure I hit the required spend within a few weeks and now I'm going to comb through my statement. To clarify - in THEIR wording, I should have the 60k points in my account 2 calendar months from the date of me spending $3,000 on my card (not including the annual fee). If this is the case I'll certainly be chasing the compensation with them waiving the annual fee.

Funnily enough I was thinking today how poor their website and phone customer service is.
 
hm520 said:
Interesting how this thread has transpired. Thanks for your effort Ralph. I have this card and I also enjoy giving it to the banks (especially when they're legally in the wrong).

I'm sure I hit the required spend within a few weeks and now I'm going to comb through my statement. To clarify - in THEIR wording, I should have the 60k points in my account 2 calendar months from the date of me spending $3,000 on my card (not including the annual fee). If this is the case I'll certainly be chasing the compensation with them waiving the annual fee.

Funnily enough I was thinking today how poor their website and phone customer service is.
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Go for it. Free points for everyone!
 
My 2 months post spend is in a few days so am watching closely to see if they deliver. I almost hope they don't so i can get the refund of the fee :)
 
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