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Anyone who currently has has this years fee waived also has a supp card on the account? Is that extra fee waived also or you need to pay that? Thanks
Hmmm, not sure what best to do then. I’ve opened 3 new accounts within the past 6 months (two of which were with HSBC – the premier a/c + mortgage) and the third being a new card with AMEX so credit score has taken a bit of a dip. Do I take a further hit with the HSBC CC application or wait until the 6 months are up and credit score has been restored. From Rob’s comments, it suggests that the change will be happening in the short term so might just have to take the plunge.
Anyone else applied for multiple cards within a short period of time?
I agree, the waters look rather cloudy right now.
On the point about opening the credit card with HSBC, not long after the current account, I have a feeling you might be ok. I opened current account and on the day requested the Premier WE card. Got told I can only get the free one that day, but to ask to switch in a few months (2-3 to be exact). So did just that. Was credit checked once for the current account (which was in January). Then in late March I called and asked about upgrading the credit card, they accepted, I got the form in the post and went ahead and they switched the account. I wasn’t credit checked again for the upgrade.
FWIW I was credit checked after holding the free card (held prob for a few years) when I requested the upgrade.
Many thanks.
FWIW I was credit checked after holding the free card (held prob for a few years) when I requested the upgrade.
That’s really helpful to know – many thanks for sharing this
Just got the Premier account and applied for the credit card once the account was open. Credit checked twice.
Any experience on the level of friendliness of this card to bending? Want to bendy into a SIPP
Any experience on the level of friendliness of this card to bending? Want to bendy into a SIPP
Worked for me into Nutmeg
- This reply was modified 55 years, 4 months ago by .
Any experience on the level of friendliness of this card to bending? Want to bendy into a SIPP
No problem for me into Fidelity or ii.
Paid for my card feb20 and feb21. Whilst all my travels plans were cancelled, and hence not used the main reason for the card… the bonus points cancel out the fees paid, and I’m due to a waiver this year. Not gone OTT but would say the Card has been rewarding in other ways. 🙂
Any experience on the level of friendliness of this card to bending? Want to bendy into a SIPP
No problem for me into Fidelity or ii.
Check you actually get the points. HSBC no longer gives points on HMRC via Curve.
Not after the points this time around Rob, rather want to use the carry forward allowance before it’s gone and avoid being punished with fees
If anyone bent into HL would be a helpful datapoint as well
Potentially an increased sign-up/spend bonus coming down the tracks?
OK, I finally got an answer after speaking to a fourth person (I’ve actually lost count!). Call lasted close to an hour. This is usually a five minute job on the phone to Amex and it’s pretty straight forward.
First I asked about whether they will be giving us another year free. Best answer I could get out of them was “it’s currently showing a cost of £0 but it could change”. It’s not like I was asking for the weather forecast in April, but felt like that’s how the answer was… it maybe, could be, should be, but possibly won’t be. Clear as mud.
Then the last person I spoke with all but confirmed I need to fill in a form and post it back to them. They suggested I do that nearer the time as they may be offering £0 annual fee then, to which I suggested I had better get the form and have it here just in case. I can then send it back nearer the time and won’t need to wait for it then. I then had to answer a bunch of questions (sounded like they were doing a credit check but then they assured me they weren’t…) and hear a bunch of legal blurb (why do they tell you this over the phone when you receive it all in the post anyway?).
Long story short, forms are being sent and I need to wait for them to arrive. I think it’s a good strategy as current times for the post = expected timeframe + 10 to 14 days on top of that for my area.
Received my “form” from HSBC as per my previous posts. What was in the package? A letter thanking me for my interest in their credit cards and a marketing brochure listing all their wonderful credit card products. No form whatsoever or anything that resembles it.
I can’t really say anything positive about HSBC right now… they are clearly still stuck a few centuries behind modern banking. Can’t upgrade/downgrade a product based on a simple online form (or a telephone call) and have to send out glossy brochures, rather than get people to use online banking. Despite the objections on here, I might not be wasting my time with these people much longer.
Is Barclays brining out a card then or what?
Does anybody know for sure which merchant types HSBC aren’t paying out on? For the last few months the points I’ve had have not tallied with my spend, but can’t make any sense of why, as even excluding certain financial transactions it still seems way out!
I have the free Premier MC, it was taken with the Premier account being opened a while back.
I’ve used it sparingly, since all spending was on Amex Premium Plus and IHG Premier. Of course, my IHG Premier card has been closed by Creation since I used it via Curve for Apple Pay. (No MS though).
Question I have – anyone weighed up paying the fee for the bonus and higher points accumulation on the Elite card Vs losing the free appliance insurance from the free card? Never used the insurance since I’ve not used the card until very recently.
I no longer pay a fee for the IHG card since it has been closed, so taking on another fee paying card doesn’t sound too unreasonable to me. I reckon the airport lounge access for me & supp. cardholder would be used a couple of times a year at most, since I have status with BA that gets me into a lounge when flying OneWorld.
Anything I’m missing before I delve into the Elite card?
I reckon the airport lounge access for me & supp. cardholder would be used a couple of times a year at most, since I have status with BA that gets me into a lounge when flying OneWorld.
Anything I’m missing before I delve into the Elite card?
You should note that each supp cost an additional £60, so it might not be worth it if you don’t use the lounge access that frequently.
That’s a great point – I’d need to use a fee paying lounge 3 times a year to make the £60 Supp. card worthwhile. I’ll hold for a bit and perhaps dive in if they do a sign-up bonus for the Elite. Thanks.
I reckon the airport lounge access for me & supp. cardholder would be used a couple of times a year at most, since I have status with BA that gets me into a lounge when flying OneWorld.
Anything I’m missing before I delve into the Elite card?
You should note that each supp cost an additional £60, so it might not be worth it if you don’t use the lounge access that frequently.
- This reply was modified 55 years, 4 months ago by .
I can’t really say anything positive about HSBC right now… they are clearly still stuck a few centuries behind modern banking. Can’t upgrade/downgrade a product based on a simple online form (or a telephone call) and have to send out glossy brochures, rather than get people to use online banking. Despite the objections on here, I might not be wasting my time with these people much longer.
Gosh, yes. Opening my Premier account was one of the most painful exercises of my life. It quite literally took me months of being shoved from pillar to post. And nobody seemed to be able to tell me how to open the account. I recall I got stuck in an infinite loop. Urgh. They haven’t been too bad since..but there was nothing premium about the sign up experience!
I second that T0m. Despite being an HSBC customer for 15+ years, and qualifying for Premier for 5+ years, I finally took the plunge in August ’21 to upgrade. The phone call started with ‘So why do you think you want to upgrade your Bank account’? I was almost lost for words but stated the family travel insurance and qualifying for preferential rates on mortgage etc. The agent accepted this then we had 2 hours on a phone call between myself & my wife to process everything.
Since HSBC already know everything about me, since it’s my only current Bank account I use (have Monzo & Revolut but use very sparingly) and have salaries & DD etc. the amount of info I had to provide – including payslips – seemed OTT.
We got through it though and was all opened OK. I called them yesterday to enquire about upgrading the Premier MC to World Elite and was told the only way to do so was to receive a form in the post that I sign and post back – seems very old school!
why are people applying for anything over the phone with HSBC? they are useless.you just apply online, much quicker and easier
You cannot ‘upgrade’ from free Premier to Premier World Elite online. You have to call HSBC. I believe if you apply for Premier World Elite online, its viewed as a brand new account which means hard credit check hit and you’d have 2 x CC with HSBC. That is my understanding anyway having looked at it yesterday.
why are people applying for anything over the phone with HSBC? they are useless.you just apply online, much quicker and easier
Hey,
Does anyone have any experience what happens to these cards if the Premier Current Account is closed? Would HSBC just cancel the CC or do they let you keep the credit account/card despite no longer having a current account with them?Does anybody know if HSBC still give points for HMRC payments if they are fronted by Curve ? I have just upgraded to Metal but someone has suggested it’s pointless as HSBC won’t give points.
Does anybody know if HSBC still give points for HMRC payments if they are fronted by Curve ? I have just upgraded to Metal but someone has suggested it’s pointless as HSBC won’t give points.
No points
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