Comments on: HBC Credit Card – don’t bother

By: Melani

Melani — Mon, 27 Sep 2010 16:03:54 +0000

I have a power of attorney for my mother, who is now in a nursing home. Using the same POA, I have contacted and been accepted as her POA by CPP, Revenue Canada, her bank, etc. HBC will not cancel her card for me. I think she used it once, probably on a promotion when she was in another city.

HBC – shame on you. They will not change her address, because they refuse to accept my POA. This means that her personal information is still being sent to her old apartment. If not for a change of address with Canada Post, anyone could intercept this mail.

I’m 2 1/2 hours from her, I asked them if I drove to her and had my mother speak to them directly, would they cancel it? I was told “No, because she has a Power of Attorney.” What? It’s crazy!

By: Neha

Neha — Wed, 23 Jun 2010 20:02:36 +0000

For 18 years, I have had different type of credit cards, student loan and car loans. Paid off everything on time. There was $18 owing on my HBC card that I did not realize it. As soon as, I received the call from HBC, I went and paid it off the next day. They reported the payment late on my credit bureau which has affected my credit. Called them several times including speaking to the supervisors. They did not do anything at all. I canceled my card and will never ever get another card including telling all my family members, friends and colleagues. Over measly $18, they are ruining my credit.

By: trilamb

trilamb — Thu, 13 May 2010 01:03:12 +0000

zellers (hbc) does not care about the customer. they are not in the business of selling merchandise. they are in the business of signing people up for their credit card. my manager told me that without the credit card they would not be in business. she said that the credit card was their number one priority. do not be duped into signing up for one of these cards, regardless of how tempting the cashier may make it seem. some of them will say just about anything to sign you up. i have seen them tell elderly people and immigrants with little command of the english language “fill out this form and sign the bottom and you’ll save 10%” without explaining that they are signing up for a credit card. they do not explain that you lose points on your credit rating when you apply. they do not explain the criminal interest rates or the hidden “financial charges” that appear each month that you carry any kind of balance. they certainly don’t tell you that the reason they are being pushy is because their jobs depend on it. that piece of paper that is filled out with all your financial and personal information is usually left lying about out in the open for all to see. i know of one cashier who lost an application that she left lying around. if you are sick and tired of constantly being harassed about the hbc mastercard everytime you shop at zellers, tell the manager, tell head office, and shop elsewhere.

By: Anonymous

Anonymous — Thu, 31 Dec 2009 04:48:39 +0000

Hi.
Im a zellers employee as well and i would like to tell you that HBC Credit card dont bother is a very biased post. Ive seen people who have accumulated $300 only through points and the credit cards so if u were shopping there for three years u wldnt have anything extra and the other customer that was shopping for three years had $100 extra each year .. in the end who do u think wins or invests smarter?

By: Lee

Lee — Tue, 22 Dec 2009 16:50:22 +0000

I bought some luggage in September and the sales clerk convinced me to sign up for the HBC card to save 10% on my purchase. I completely forgot about the card and the purchase until I started receiving frantic calls about my account from HBC. I went to the store and they couldn’t find my account without my account number. I didn’t have that information because they had the wrong address and the incorrect spelling of my name. After two more trips to the store they finally figured out their mistake, found my account and I was able to pay off the balance and cancel the account on the spot. I just got an invoice for finance charges of $2.87 for mistakes they made throughout this ordeal. Not only will I never have an account there again, I won’t ever shop in an HBC store or any of their affiliates again. That’s what they get for $2.87. I hope they go bankrupt.

By: Anonymous

Anonymous — Sun, 23 Aug 2009 06:22:56 +0000

Hello, I’m also a Zellers employee and would just like to point out that we’re not all illiterate.

By: ryan

ryan — Sat, 13 Sep 2008 22:39:33 +0000

hi there i work at zellers myself(hbc company) and i would like to tell you that the hbx xredit card is only good when you make lots of purchases at an hbx xompany other then that irs only good cuz its so easy to get…and you would have earned douvle your points for using yor hbc crdit card…and the points are very useful because you can get a 10$ gift card for only 80,000 points…

By: Dave

Dave — Tue, 20 Dec 2005 22:04:25 +0000

I can get credit reports through a friend for free whenever I want, but I was told not to do it too often or else the too-frequent-chequing can have a negative effect on your rating. We did it several months ago and it was fine. I also know that my landlord ran a check and I think PC Financial is as well as we speak.

You’re right, I should call and cancel it. I also have an old Mastercard that I haven’t cancelled (my wife and I both use her card now). I will probably also get rid of our AMEX Gold which we no longer use, now that I no longer care about Air Miles and no longer use credit except for online purchases. Maybe when I cancel all three cards I will do a credit check. It will be nice to just have one credit card between my me and my wife.

By: Anonymous

Anonymous — Tue, 20 Dec 2005 21:52:12 +0000

You should call and have this card cancelled. Then, wait a few months, and request a credit report from one of the 2 credit unions (Equifax or Trans-something). It costs nothing to get your credit report if you do it via mail (or you can pay them and do it online instantly).

You can then verify that the card has been removed, and at the same time, you can see if your credit report is correct. People should check their credit report once a year.