not dev.

A follow up on my HSBC credit increase rejection rant from last month. So they ended up saying "we chose not to give you an increase even though your account is very good. Feel free to try again in 3-6 months but I can't guarantee your request will be approved."

I let it be.

Today I got an email saying that following a recent review of my account, they'd like to offer me an increase. The same increase I asked for last month and got rejected, and then had my credit score ruined over. Bitch what.

I am petty af, tomorrow I'll call them and tell them that "after having reviewed their services, I choose not to give them consent to increase my credit limit. I understand this isn't the outcome they were hoping for, but that is my decision. Feel free to reach out again in 3-6 months but I can't guarantee that I'll change my mind. "

Yes I know the rep on the other end of the line wouldn't give a f*ck, I just want that recorded. I don't really need the increase, just wanted to lower my utilisation. They can suck it.

not dev.

HSBC rejected my request to have my credit card limit increased. I call to ask why and after 38 minutes of holding she comes back and says the system automatically rejected your request because of "poor account conduct" and "unusual activity.".....

w h a t t h e F U C K does that mean???

She was unhelpful in explaining what that meant, and I'm honestly baffled. I've always paid my cc balance in full every month, never went over my limit (in fact, utilisation was almost always below 30%), always had enough balance in my account to cover any Direct Debits, Standing Orders and other purchases (I don't even have overdraft), and my credit score is practically excellent.

Then she proceeds to say that I can try applying again in 3-6 months but she can't guarantee approval. HAH as if. They can suck it.

I moved away from Lloyd's bank because they were shit, and now this. Are all banks this shit?

I sent them a complaint and they said they'd get back to me in 5 working days... let's see.