Banks, while never perfect corporate citizens usually at least try to behave in a reasonable maner. That is probably why I was fuming with anger at Wing Lung Bank in Hong Kong.

I have a credit card from this bank, that was given out as HKIA uses them for their membership cards, and my spouse being a member, just signed me up for it. I normally use American Express for most payments, but some shops don't accept it so having a Visa card is quite handy.

We always pay off the balance every month, I normally sit down around the 1st or 2nd of each month and clear the bills. I must have been doing this for at least 6 years, and I've had the Wing Lung card for I guess more than 3 years.

So yesterday when I got a letter from them indicateing we had not paid the bill, I was a little supprised. That turned out to be me forgetting to pay my wife's bill last month, as she doesn't use the card normally, so the is normally nothing to pay. However while checking the other bills, I noticed a finance charge, and a late payments charge. I was pretty certain that I had paid last month on time, so I checked closer, I had paid the bill on the second of the month, which was the usual date. Then I spotted the problem..

WING LUNG, THE BUNCH OF CROOKS HAD CHANGED THE PAYMENT DUE DATE!!!!

They had moved it back about 10 days, resulting in the card running up late charges.

Not only that, I started checking the older statements,and realized the had pulled this slight of hand 5 months ago, raking in a tidy sum for their criminal coffers.

By this time I was fuming, and called their hotline, my temper not subdued by their annoying 'press 2 for..' and playing adverts for their services while waiting.

After practicalling screaming at two idiots who refused to refund the money and change the payment date, and listening to them try and justify this crazy action 'your agreement states we can change the terms at any time' They promised that a manager would call back.

Of- course, this call never arrived, so today I cancelled the card, filed a complaint with our consumer council. (Hopefully at least they will issue a warning about them Changing the due dates, so other customers don't get caught out.)

From what I've been hearing, this is not the first bank to pull this scam.. Well, Wing Lung will not be one of the place's I'm going to get a mortgage from...