Had credit card payment declined. When I rang to query this I was kept on the phone for over 90 mins being driven in sane by annoying music and told my remaining balance was far less than what my online banking statement said. I had gone into my branch the previous week and paid of a considerable sum before my next statement was due as I knew I would exceed my credit limit if not. This showed as paid on my statement. I was told that the cheque was on hold and before they could tell me any more my phone battery died. I am livid Always pay off my balance on time and now am going to have to waste more time going into branch to sort it out (if poss)while my suppliers are having to wait for their money . Seriously considering leaving HSBC after forty years