Terrible banking online banking password reset experience

Today, in addition to scale, capital, and network, whether a bank is good or bad, it is believed that online financial management and security are also important aspects. The online financial management app of some banks is very simple, which makes people feel very Not safe, but too strict is not a good thing either.

By the way, I encountered a problem when I logged into HSBC's credit card online banking today. I believe everyone has heard of HSBC. It is the largest bank in Hong Kong, the oldest bank in existence, and a note-issuing bank. To send to HSBC Internet Banking, you need to enter three pieces of information: user name, password and prompt answer. Since there are more than two pieces of information to be entered, the browser cannot store them all, so I have to enter them manually, and I am someone who does not remember passwords. Entered wrong account is locked.

Well, if you are locked, unlock it! Who knows that you will be asked to answer two security questions when unlocking, that is, who are the people you admire the most, who is your favorite teacher in elementary school, and so on, the question is coming again, I forgot what I filled in, one of my questions It's your favorite singer. I remembered that I filled in my brother, but did I fill in Leslie, lesliecheung or leslie cheung? In the end, of course, I was locked again.

Well, the next step, it allows me to reset my password, security code and prompt question answer, why not authenticate my identity? When I was in doubt, I followed it first, and then I came to this screen:

In the end, I still have to make a phone call, but I am not an outstanding customer, and the call was recorded. After a series of battles with voice instructions, I finally heard the option to "contact a customer service officer" after about 4 minutes, and after waiting for about 30 seconds, I finally heard the voice of a real person! ! !

She first asked me to submit a reset reference number, then sent a text message to my phone to verify my identity, after which she asked me to provide my phone banking PIN. Shit, who would use phone banking in this era? I don't even know if I have opened it. Of course, I didn't confront her Shit, I just told her that I don't have phone banking, and she said that I need to open phone banking to complete this. Reset the service.

Okay, let's go, the customer service first redirected me back to the voice service, and I followed the instructions again to enter the information, until it told me to enter the ATM password....Years ago, I ordered Don't let yourself be crazy about overdrafting. I don't remember all ATM passwords. Every time I open a new credit card, I don't look at the ATM password sent by the bank, so I just throw it away. However, the system has not forgotten the password. Option, I only have to enter 000000 4 times in a row, and finally let me switch back to live customer service.

She asked me which program had the error, and I said I didn't have the ATM password, what should I do. As a result...she said I had to go to the bank branch to apply for a new ATM password in person, the password would be mailed to me a few days after the application, and then I could continue the reset process.... .....Well, I didn't have time to go to the bank during the office hour, so I asked her directly: Would it be faster if I filled out the reset form and handed it to the branch? She said yes! I can ask a family member to hand in the form to the branch on my behalf, and it will be set up within three working days! ................................

Well, it's my fault that I forgot my PIN, and it's my fault that I don't remember the ATM, but it didn't take me nearly thirty minutes to tell me to fill out the form by hand! I also just forgot a password... In exchange, it was three working days of waiting... At this moment, I feel that the security of HSBC is very safe.... God, next time I will use the mobile phone APP Face ID to log in...why do I have to log in on the web when I do things? …