<prompt> Human: I have a car loan with HSBC. I am regularly late on payments 2-3 days max the reason is because I have to go to an HSBC ATM to deposit the money since I have no active current or savings account with them. Its never more that 3 days late. Recently I paid my monthly car loan off Approx 450 but for some reason was 3.49 short. They keep calling me asking me to deposit the 3.49. Are they going bankrupt? Is this normal where you are from? Its costing them more money to call me on a daily basis, multiple times a day, than it is to actually wait till it gets paid.  <response>: If it takes 3 days to get money, why dont you deposit 3 or maybe 5 days before its due? They have every right to ask for whats owed to them as I can guarantee you, youd be pissed if someone owed you money and was always late and didnt pay the full amount. 