Dear God pls guide me to manage my bills and financial status.. pls give me the strength to trace and solve these problems.. I know you're listening.. pls help me solve these deficiencies in my account and I hope Lord that HSBC will return back my 2016 cash in which i paid for a reward redemption that i haven't receive yet. I cancelled it already but they didn't refund me the money yet. I hope that they will grant me my alternative reward which are gift checks. I pray that I may find a job next year january. I love you Lord. You're a friend indeed. Thank you for listening.