If you have cookies disabled you will still be able to use the HSBC Expat website but online banking will not be available and some other features may not work as expected.If you can't remember your PIN, or you've lost your PIN, you can request a PIN reminder by calling: HSBC Expat Premier customer 44 1534 616 313 HSBC Expat Advance customer 44 1534 616 212 If you want to change your PIN, you can use most cash machines in the UK, Channel Islands or Isle of Man - all HSBC Bank machines offer this facility.Your PIN will automatically unlock and can be used with your card in retailers.The key to choosing a PIN is familiarity - it's much easier to remember a number with unique associations than a random series of digits.Some cards offer cash back or other incentives for using them.Often rewards have limits or expiration dates, so look at the terms carefully when choosing a card. Your monthly credit card statement arrives and you realise just how much you've actually spent over the past few weeks.
As a result, a customer who has managed consistently to meet the monthly minimum payment may be offered a limit increase, notwithstanding the fact that the customer has no capacity to repay the whole increased amount.
This office takes the view that increases in credit card limits ought to be assessed in the same manner as the initial granting of credit.
Accordingly, if no assessment of the capacity to repay is undertaken and it is found in an investigation that the customer could not do so, we may reach a view that there has been maladministration." Back here, the Task Force on Tackling Overindebtedness - set up by the Department of Trade and Industry (DTI) and including representation from, among others, the Office of Fair Trading - expressed concern last year about a number of consumer credit marketing techniques.
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