No card bonus unless you pay for Year 2? Updates on Creation / IHG and HSBC World Elite

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• Fenny says:

  2 Jul2 July 18:22

  I went for the white card and was considering the black. Now I just won’t bother.

• J Harvey says:

  2 Jul2 July 21:54

  Despite saying I was eligible for a Creation IHG card after the IHG Barclaycard closed down, I was declined for it when I applied online, I think because I already have a creation card with ASDA and put a lot of spend through it. Is it worth phoning them? I think I may have read you have to wait 6 months.

  • Rob says:

    2 Jul2 July 22:27

    No idea what the Creation rules are, to be honest. You could ring to check what their policy is on multiple cards so you could decide if there was any point cancelling the ASDA card (which is generous).

    • Roger I* says:

      3 Jul3 July 10:36

      FWIW I have three:

      – IHG black;
      – Marriott (not available to new applicants;
      – Everyday MC.

  • BLT says:

    2 Jul2 July 23:02

    I got rejected applying for IHG creation black card ( I already held the everyday CC and Marriott CC). Phoned up and they were useless and just said wait 6 months. I reduced my limit on the other 2 cards and waited a couple of months and reapplied and was then accepted. Unfortunately it’s not as easy as shifting credit limits with MBNA.

    • J harvey says:

      3 Jul3 July 21:09

      Thanks

  • Mr Dee says:

    2 Jul2 July 23:33

    I know of someone who reapplied within the 6 months since last applying and got accepted, no issues on holding both the asda and IHG

• Sam Wardill says:

  3 Jul3 July 09:23

  I think this is shocking behaviour on the part of Creation and HSBC. I intend to escalate before I spend £10k

• Drolma-la says:

  3 Jul3 July 10:08

  So many suggestions to call Creation. It’s easier said than done. I gave up after waiting 35 minutes on hold.

• Ian says:

  3 Jul3 July 12:05

  I’ve called HSBC today about this as I hit the £12k mark on my March statement and have not received the bonus. They refused to admit there is an error on the terms & conditions and offered me no compensation whatsoever. They simply said they would make a note of my comments on the system that I found the terms & conditions ‘confusing’ and that if other customers have the same issue then perhaps they need to look at making it more clear….

• Scottydogg says:

  3 Jul3 July 13:55

  I’m glad this has been covered on HFP at that there is a lot of other people in the same boat as me with regrads to the IHG card and the ‘free night voucher’ . Ive hit the £10,000 spend and the card is up for renewal on the 22nd of this month . I spoke to them on the phone about cancelling after the year ends but still want the free voucher as I hit the spend £10,000 as offered . They said that unless I renew and pay the second £99 I would not get the free voucher , he said that the only option I have to avoid the £99 charge is to cancel before the renewal date , thus forefitting the free night voucher.

  Its very misleading , im thinking of going down the road of waiting for it to credit , then trying to cancel . I suggested to Creation that I might have to do that , he said I would be charged and there would be no way of getting that £99 back .

  • Alex W says:

    3 Jul3 July 19:08

    Worth trying I’ll be doing the same I think.

    • Rob says:

      3 Jul3 July 20:47

      This is all fixed with Creation 🙂

      See tomorrow.

      • Alan says:

        3 Jul3 July 20:53

        Wow, they’ve finally seen the light?! Suspect they realised this was going to cost them a lot in FOS referrals 😛

• Greg says:

  3 Jul3 July 21:00

  Hi
  I can confirm, that I’ve filled a complaint with IHG, where they refused to issue £99. They confirmed, that I need to pay twice £99 annual fee to get a 1 free night voucher. Here is final decision:
  ‘On the date above, you also wanted to know if you could get your free voucher on your
  anniversary date, without incurring the £99 fee for the second year. You opened your card on 24
  October 2016 so your anniversary date as mentioned on the call would be 24 October 2017 I
  have liased with the partnership manager for IHG and you would still need to have your account
  active at your anniversary date in order to receive the free voucher. The free night certificate will
  not be awarded if you cancel for the second year.
  In view of the above, I am unable to uphold your complaint due to the correct procedures and
  processes being followed and adhered too. I know this may not be the outcome you were
  hoping for, however I hope the above helps to explain my decision.
  I believe that this decision is fair. However, if you have any new information, or would like to talk
  this through, please call me on 0800 0121173* and I would be happy to discuss this with you.’

  no more comments, I believe it was misleading information…

  • the realharry1 says:

    3 Jul3 July 21:31

    I suggest an Ombudsman complaint

    which costs them £500 a time

    indeed, several of us might as well make such a complaint

    • Rob says:

      3 Jul3 July 21:47

      No, I’ve fixed it all 🙂

    • BW says:

      3 Jul3 July 21:56

      I messaged BNP Paribas direct on social media. I appear to have made some progress. I’ll update as soon as I hear anything. Rob was in copy.

  • Brian says:

    3 Jul3 July 21:49

    That’s extraordinary. If they stick to this line then I genuinely believe customers have been conned here. The card fee is basically £198 and not £99 under this scenario to get all the promised benefits.

    • Rob says:

      3 Jul3 July 22:07

      It’s sorted, don’t worry ….!

      • Brian says:

        3 Jul3 July 23:26

        Good news!

• Danksy says:

  6 Jul6 July 09:13

  Been on the phone to HSBC for a while this morning.

  First operator was helpful, but when I pointed out the fact I hadn’t received inline with the T&C’s she had to refer to a manager.

  After 15 mins in total I got 7,500 points as a goodwill gesture. So not quite the 10,000 others have received!

This article is closed to new comments. Feel free to ask your question in the HfP forums.