I just called HSBC's Call Centre and seriously of all I've ever tried, they are most definitely the most well-trained, helpful, committed bunch. They know how to address me properly, they speak well and they know how to use their grey matter when posed with a situation or concern or problem to address.
They never have to lapse into BM like what Astroe staff have to do. They don't just tell me 'It cannot be done' like Citibankk staff and they never forget any of the multiple requests I have made - shows active listening, shows ownership of their function and responsibility as a Call Agent and it never hurts to be polite eh?
So kudos to HSBC - I would pay to keep your Credit Card! HEhehaehahahahahahah