The week before the last week, I applied for a credit card from HSBC Singapore. Today, I received their reply about this application by post:
The main message is, HSBC Singapore is unable to issue a credit card to me. Why? Am I not qualified? I’m sure I am. Any problem with any supporting document? They didn’t tell in the mail. Let me tell you why and how I applied for a HSBC credit card.
HSBC was running a marketing campaign targeting credit card holders outside Singapore Carrefour Suntec City two weeks ago. There were around 10 HSBC staffs giving away gifts and prizes including iPod mini and movie tickets. I was interested to find out how they were promoting. And, I participated.
You stood a chance to win iPod and other stuff by playing a simple game. And, you could get a movie voucher if you did a survey for them. They were promoting their investment plans. I was kind of interested though I would not sign up that plan right away. What happened next was that if you signed up an saving account which is needed if you in future decide to join the investment plan, you could get $28 shopping voucher.
The truth is I only have one saving account with POSB and I like to have another so that I can withdraw money at more ATM machines. So, I signed up the saving account. They gave a credit card with 2 years’ fee waived so that they can get you in their infinity program. I also took some time to complete the application and some trouble to delivery the document they requested.
Now, they simply tell me “sorry” without giving a valid reason. Guess what? I probably wouldn’t care about its credit card and it didn’t make me happy about their service. In a consequence, I now become less interested in their investment plan. I don’t get it why they didn’t just give me a call and say “sorry” in voice and give a reason for that.
Lesson: be careful interacting with your customers. Always remember, it’s much easier to lose one customer than get a new one.