HSBC Credit Card Cancellation

[necrotic freak]

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^^ganahan pod ko ipa cancel pero dili pwde kay dako pa kaayo akong outstanding balance.

[ohohoy]

^^ganahan pod ko ipa cancel pero dili pwde kay dako pa kaayo akong outstanding balance.

yaw gyud bro kay lisod na ug ma blacklist sa tanan bangko..

[necrotic freak]

yaw gyud bro kay lisod na ug ma blacklist sa tanan bangko..

dili man sad gyud na ma cancel akong cc bro tungod sa balance, gawas kung tuyoon nako ug cancel akong payments mao na ma blacklist. hehe

[yhokz101]

kalami ba ni daganan ang hsbc.. hasol kaau ning ilang interest ui.. maka labad sa utok. ahak cla ra ma datu ani dah..

[necrotic freak]

^^pero kung kamao ka mo gamit ug Credit card dili maka sapi ang hsbc nimo. annual fee ra ilang makuha nimo.

[yhokz101]

maka sapi lage ghapon.. sa annual fee..

[samamar21]

try again their hotline.

[mybuuz]

pwede man nimo ma-waive ang annual fee in exchange sa imong points. pwede sad nimo ma-settle imong payment with them, close na ang imong CC and the charges.

[Mr_NicePrice]

write lang ug letter nila bro na e cancel nimo effective on a date u want it canceled, then epa receive jud... then be sure naa ka copy... paniguro style ni...

[katmendz11]

kalami ba ni daganan ang hsbc.. hasol kaau ning ilang interest ui.. maka labad sa utok. ahak cla ra ma datu ani dah..

to lessen the interest have ur HSBC balance transferred to another bank that offers lower rates.if dli nimo mabayran tanan due ,kna imo monthly na gibayad kulang pa na sa interest then the total amount due will be payable as a whole gd. if i balance transfer gni,gamay ra ang interest then makaya na byaran ang monthly na mo due.

for example imo total due sa HSBC is 20,000..i think 3.5% per month ang charge,so u will pay them 700 interest. whereas if u transfer it to banks na nag offer og bal. transfer,naa .69% per month.. imo mbayaran na interest is only 138/month.

to compute and compare:

HSBC due on January 2011
principal 20,000
interest 700
total 20,700 you need to pay all of this amount to avoid interest in the next billing
let say you can only pay 5,000....20,700-5,000=15,700 + 549.50 interest=16,249.50( will be due on feb>2011)

if u transfer to banks that offer .69%/month

.69 x 12 months=8.28%/annual

s0,20,000 x 8.28%=1,656(interest) + principal(20,000)=21,656/12

your monthly due will only be 1,804.67...affordable na kau na byaran