I received my statement from the Brick indicating that I had over paid by $50.00. On the statement it indicates: "Your account has a credit balance of $50. Refunds may be requested in writing to HSBC Retail". So I sent an e-mail to [email protected]. The rep there explained that I must provide proof of this payment. Even though it was there on the statement; now watch out here comes the official answer: "Unfortunately the Brick Card statement is not considered a valid proof of payment". So, when you receive the statement... read full review »