I called hsbc Kl to find out my insurance company name and details. I've been paying my monthly insurance bill via hsbc card. I'm not based in Malaysia. I work in Singapore. My sister help me to handle my credit card payment. I'll just pay her cash. She has moved to china 2 months ago. As per usual the officer will ask a lot of questions to do the verification. One of the question was how do make the payment. And I told her Reza the customer service officer. I said I'm not making the payment and I'm not based here. But I'm still using hsbc card for many years. I I said should be online. She asked which websites. I told her I wouldn't know. I'm not the one who make the payment. Can you ask another question like my mothers name, my birthday or etc. And se still ask the same question. They are making things difficult for me. I'm paying my bill every month and they are not providing any solution to their customers. So I asked for manager his name is Harvard Gary Amban. Same things happened! Same question and ling winded. He only know to apologize and didn't provide me any solution! Can they be more creative with the verification question. I told them I'm not based here and my sister is the one who help me to pay!!! I told him to manage his customer expectation and be more creative with the questions if he customer are not able to answer. I just don't understand why hsbc customer service is so so lousy! I've been holding the cards since 2002. And Gary is definitely not making things easy for me. He us ok when I said when I wanna cancel the card. They are ok to lose their customer. Si thus is what u call u appreciate your customer! We care for you??? Im very upset with the whole thing! Disappointed with e lousy service. Wasted 20mins with the stupid tele-conversation.