警世！匯豐恆生Debit Card可以無預警Overdraft戶口！

銀行唔受理上連燈投訴🙂‍↕️

你點睇到銀行唔受理？想知。

其實你都唔會Expect 班聽電話員工會有咩知識。佢地都只係人肉錄音機，跟稿讀


稿無寫就唔會答到

第一句已經話T &C有寫

我估樓主係因為匯價跳動，負咗幾蚊就屌
visa/master個系統唔係即時兌換結算，就算信用卡都係咁
只會睇你個戶口/credit額，夠現時匯率+少少buffer位就過得
但一兩日後結算時，匯價郁太多，連buffer都超埋就過咗額咁

你話銀行夾硬扣你手續費，咁即係搶/呃你錢，點解唔報警呢？

莫非你就係你所講嘅”奴才”?

如果佢肯Waive既話，點解要多此一舉報警？

呢個係其中一個場景。都仲有其他情況會發生同樣既事

建議HKMA投訴，有機會吿得入

就算告入左，我都唔會有得益，佢唔會額外賠錢畀我

佢地做錯事最多咪退錢

14. No overdraft

14.1 You will only use your Debit Card if you have enough money in your Account. No overdraft facility is provided to your Debit Card. We will not effect a transaction if you do not have sufficient available

funds in the Account to settle the transaction as set out in Clause 13. This is true even if the Account has existing overdraft or credit facilities

唔好學埋樓主喺到鳩up

咁用八仔個張DC 好過