I spent a frustrating 45 minutes in HSBC's head office this morning trying to get a credit card cash advance. The trouble was, I wanted to draw out the total credit limit on the card. First I was told there was a maximum daily withdrawal limit on my card, which it turned out there wasn't.
That was merely irritating. What was infuriating is that the outstanding balance on the card had already been paid off in cash earlier the same morning. So, you might think, the entire credit limit would now be available. Not so. It appears that even though you pay cash into HSBC, it doesn't get credited to the card account until 9am the following day. So I'm there with the card and the pay-in slip proving it's been paid off, but that makes no difference.
So, if the money is no longer with me and not yet in the card account, where is it? Acting as a nice interest-free loan to HSBC for a day while they presumably sock me for another day's interest on the credit card, I suppose. And they wonder why so many people spell "bankers" with a W.