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If I can give 0 stars I would. Horrible customer experience. I called multiple time regarding a product change on my credit card and even after a month they would say it takes 7-10 business day at the most but we are still processing your request. Doesn’t makes sense to me.
Have had this card for about 5 years. I have to verify my transactions with the security center about once a month and basically every time I travel. Getting hold of an Indian call center representative who has little ability to do anything but read from a script is a routine hour long herculean effort. I’ve regularly had unbelievably rude customer service from HSBC’s call center where they literally say they cannot do anything for you and if you have any complaints to take them up with your branch. The algorithms used to track potential fraudulent charges is totally bogus at HSBC and must give 99% false positives. The nightmare service has been repeatedly blogged about and discussed on multiple forums but there is simply no attempt by the “World’s Local Bank” to address customer dissatisfaction with the horrendous service levels and bogus false positives in their security systems. Do yourself a favour and pick a different bank for your credit card needs.
In my short period of time in the business world, I have never dealt with a company as inept as HSBC but more specifically, their Credit Card Operations. The bank has the worst customer service I’ve ever experienced and worst customer support of any credit card that we’ve ever used, and we have quite a few. It makes me appreciate the American Express Cards and Discover Card because those companies treat us like valued customers and provide “World Class” customer service.
I’m not going to go into detail of what we've been through with HSBC because there is too much to detail. At this point we just want to wash our hands of this horrible company but can't even close our account because HSBC fails to comply with our wishes. I want the balance of our Cash Back Credit Card sent to us immediately because that is money we earned by using this lousy card. I wouldn't refer anyone to do business with HSBC because I have absolutely nothing good to say about this Bank/Credit Card servicer.
I got an offer from this card and called in to get more info but they told me I can only apply online. I told them unfortunately they did not list some of the info online, like the balance transfer fee. First of all, calls are routed to a foreign country, so you have poor connection. Also, the agent does not listening to what you have to say, instead she repeats the same things like a parrot. When you ask to speak with a supervisor, she again keeps going on and on about what she has to say, never listens. Horrible customer service and I hate it when the calls are answered by people who can't speak proper English and are at a different country!
They put a hold on my account for no reason, every time I call they transfer me 4 or 5 times, no one knows what they are doing, they are rude. I am going to cancel this card completely... What do I need them for... Nothing at all.
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I called to report my card lost on March 6, I confirmed with the agent about a transaction I made and my balance, I was told my next payment was on April 10, about two weeks later I received a phone call from HSBC collection department saying I was late with the payment for March 10 and there was a late fee posted to my account. When I called back to inquire about the issue the agent said there was no statement sent about the payment due on March, but there will be a new statement for payment due on April 10. I continue to received phone calls until April 5 to collect the payment due on April 10. Management is poor, they provide wrong information to their customers, very disappointed with their service.
HSBC sent me a credit card without my application. I never applied for it! When I called them, I got the runaround from the customer service operator Afzal. He would not tell me who applied for the card or any reason why I received it. He said it would go to the fraud dept. That is who I thought I was talking to - the fraud dept. After a ridiculously long wait on the phone pressing all the buttons, I was supposed to be talking to the fraud dept. When he asked for my phone number, I refused to give it as he asked to verify it. I asked him what phone number he had, and he would not tell me! So I have absolutely no idea why they sent me this card of if someone is trying to steal my identity. Something is fishy here.
I've had their card a short time, under a year and it was finally hacked by someone and used to purchase an airline ticket. Well, the bank simply replaced the card with a new one which I received in about a week then activated it only to find two nights later they rejected (3 times) a purchase I was making? When I got home I found an alert had been issued regarding 'my' attempt to make that prior purchase? I called their security number that was given me in the e-mail but got no response? I finally found their security number (different number than my e-mail), called them which appeared to be on another continent or maybe even, planet? I was then asked a few ID questions and if it was I whom made the attempts to purchase the item at the store I used my card and I told them it was in fact me.
I was then told "ok, thank you" and I should have no more problems with them stopping my card service each time I used it? But what was really interesting is when they ask you to take a one-question survey and the question you're asked is, "would you hire the person who had just helped you?" Oh hell yeah, sure I would, I mean in the course of our two-minute exchange of words I got to know this person better than my own family! Unbelievable!
I received a credit card pre approval invitation to open a credit card with this company offering $150 rebate after spending $500. I applied online after calling and reaching a very "challenged person" obviously reading a script and did not understand English or the value of someone's time. Then went on to tell me I was being transferred to someone else but there would be a very long wait. So I declined and applied online. Talk about a zillion questions and very personal info they want and after answering ALL THOSE QUESTIONS, I receive an email saying I have been declined due to my identity could not be confirmed with a number to call. I called the number and got no help or suggestions only a rude woman saying my application had been declined due to unproven identity. Are you kidding me!
You people sent an invitation preapproved to my home address with my name on it, not to mention I have owned my home. For 20 years lived in the same place and have STELLAR CREDIT with over 800 FICO score. So I asked that all my personal information including SS # be deleted and then was denied that as well. Then I got very firm and said, "look. You are not providing me with a credit card and legally if I ask you to delete my personal information you are required to do so." They said they would. If you get a preapproved invitation to this card, DO NOT WASTE YOUR TIME. Totally unprofessional and incompetent!
I wanted to know my balance transfer amount, I tried to check online and I used the automated system but neither would allow me to view this info. I called the number on the back of the credit card, finally was able to get a live person, they were unable to help me. I got transferred 4 times, waited 40 minutes and received this resolution from the representative "I'm sorry sir, try going online or using our automated services." The entire customer service might as well be automated, they both offer no help!
Listen, I sort of get it. HSBC is a large global entity, and as such I imagine the volume of customer service issues that they have to deal with is humongous. Nevertheless, it's even more imperative that they should have good customer service and have systems in place to deal with all the issues that keep cropping up. In March, my credit card was frauded about a week and a half before I left the country for a two-week business trip. I called them, I asked them to send me a replacement, and they assured me that I would get it within 4-6 business days. They also asked me if they were supposed to send it to an old address in California, and I asked them to send it to my current address in NYC. They made me go through an address change, which was fine, but then as it turns out, the card didn't actually get sent till about a week AFTER I had made the initial call.
When I called, they assured me that it would get to me in time... and it did, but it got sent to my California address. Mind you, this happened after they had processed the address change. So I then had to spend my own funds to get the card priority shipped to me, and after all that, I didn't even get an apology from HSBC. I let it go, because until that point, HSBC had been fairly decent in customer service. Fast-forward till today. My credit card was frauded five days ago, so I called the Security Centre, went through the process, asked for a new card. Given that I had a week and a half until I left New York, I was assured that it would get to me in 4-6 business days. I asked, I confirmed, I made them aware that they would be shipping it to my new address. They assured me that they would process it right away. This all happened Sunday.
Today it's Friday and I hadn't received ANY notification about it whatsoever, so I called just to check on the status. The first call I made, I was told that it was shipped out and ready to go. Then they transferred me a bunch of times just to confirm my details, and they put me on hold for ten minutes, and then they came back and told me that ACTUALLY, they hadn't confirmed my details at all, so the card hadn't even been processed, and in fact, it wouldn't be shipping out until next week. I received no call, no email to follow up, nothing to indicate that they needed something from me, and when I brought this up, I was told that they were "behind on following up on all these requests".
I was willing to let the first experience go since it felt like a one-time deal, but twice in five months is a bit much. HSBC needs to get some good infrastructure in place to handle these sorts of things - it seems a bit ridiculous that consumers are bounced from department to department repeating the same things, only to then get told that HSBC can't actually process their needs in a timely manner because they are "lagging behind" in handling these requests. It's quite frankly unacceptable, and I'm very disappointed in what used to be an excellent bank.
I have been a loyal, law-abiding Credit card holder with HSBC for over 11 years. Recently, without informing me they suddenly cancelled my card & did not even bother to inform me. The problem at their end only arose when I planned to claim my Bonus points that had accumulated to nearly 40k. Since I had been regularly also paying an annual fee for my Krisflyer membership, I wanted to convert these points to miles, when lo and behold my card is cancelled. I called them innumerable times, but the customer service Rep knew nothing about it & said someone would contact me.
When no one contacted me, I called again and this time was connected to someone who said could address my queries. She told me it was a system error, but most of the time she sounded clueless and kept making random claims which I corrected for her. I told her I had NEVER defaulted in my payments, so why the cancellation? She couldn't answer that. When I asked about my Bonus points she told me very sweetly that they would be forfeited and the bank will be very kind and reissue a new card minus the bonus points to me. I now wonder whether this whole drama was about my claiming the bonus points. All these years, I didn't claim anything, so they had no problems, and now when I did wish to convert some of my points to miles, my card was suddenly cancelled by their 'system'.
I had a credit card with HSBC, I paid my bill on time and I have a credit rating of 820 plus. In 2009 they decreased my credit limit. I called several time asking why and no one would actually tell me why. I found out through someone that once worked for HSBC that if a credit card is paid off each month then that account is no good for them because they are not making money off of you. They sold my credit card to Capital One, with the same low credit line. I am going to cancel this card completely... What do I need them for... Nothing at all.
I'm requesting paper statements instead of e-statements so I can monitor my account very well. They claim I have to do it myself by logging into my account online. The problem is that I can't log in because I don't have access to internet. Also they're online banking is the worst. I honestly don't know how they're still in business.
I have applied credit card of HSBC, your person collected my all documents and verified all documents, and I didn't received any call for verification. Now I called up to customer care. They are telling my application has declined, why I don't know. If you don't want to give a card then why you collected my documents and why you had called me for applying.
I have applied for a HSBC Platinum Qantas credit card and first used my credit card on 4th August 2016. HSBC billed me the annual fees on 9 August 2016. On 1 November I contacted HSBC asking why the 60,000 Qantas Points was not credited? They stated my application was entitled for 40,000 Qantas point not 60,000. When I applied for HSBC credit card it was because I read in the internet that a 60,000 Qantas point will be credited to you if you spend $2,500 in three months after the credit card was issued. I have spend more than $10,000 but only realized that they credited 40,000 not 60,000.
Another issue was about the free Qantas Frequent Flyer card also not fulfilled by HSBC as advertised, I have to contact Qantas Frequent Flyer and purchased the card not as what they advertised, free Qantas Frequent Flyer. I felt been cheated by HSBC. This credit card sale technique was unprofessional and am thinking to cancel it. My advise to everyone is must print out the copy of their sale brochure at least with a screen shot to prove your entitlement. Get them to email you a copy of their promise before signing up.
I opened a HSBC Credit Card in September to buy my daughter a new laptop since they were offering 0% interest. I paid off the balance of the card and the very next day HSBC cancelled my card without warning. The only reason I paid off the balance was to cover the rest of her college tuition. Had I known they were going to cancel the card, I would not have paid off the balance. I have never had a credit card company cancel a card without notice or reason. I will never open another credit account with this company again.
I've had my HSBC credit card for 5 years now and so far I'm satisfied with their service. They also increased my credit limit recently even if I didn't apply for one and my current employment status with them states that I'm unemployed. They are prompt in alerting me of any unusual spending activity involving my card and their customer service hotline is easy to reach. But based on experience, if you don't pay on time, you'll be haunted by their collection agents day and night.
My HSBC credit card has helped me a lot of times especially during emergencies. It is a very reliable card. It has never let me down. I am happy that I signed up for this card. Their customer service reps are always easy to talk to. They are friendly and are not rude. The wait time is very short - less than 3 mins. I use this card to pay bills, for my monthly donations and, rarely, for shopping. I just hope that they improve on their promos. Other credit cards have very good promos. I hope they focus on this.
Also most of the cards nowadays have WAIVED ANNUAL FEES FOR LIFE. I'm really thinking now of changing cards if HSBC still continue to charge annual fees. I know that it can be waived but it is now automatic or it is conditional. I still have to call and still have to use the card and spend a specific amount of money so in essence I still paid for the annual fee unlike the other cards where I won't have to do anything. I really don't want to change cards but if nothing happens soon I might have to. Nevertheless, aside from the promos and annual fee, I'm still satisfied with my card...
I have had a credit card from HSBC about 12 yrs ago. I called to let them know I could not make payments due to I had surgery and couldn't work any longer. I was making small payments for awhile then had to stop. I could not afford it and I told them that. My card had a credit limit of like $300 on it. Now I get a restricted call saying that they will be issuing me a summons to court tomorrow. They will hand deliver it to me at my house. This is the first I heard of it and when I told them that the lady laughed and said, "Oh you didn't get anything?" "Hmm, that's funny," she said. "Oh well just give these people a call and they will help you out and explain why they are suing you."
Well she said the card had a credit limit that went up to over $700 and now has accrued charges of 75% interest. My bill is now $2600.87! WOW!! What is wrong here??? I tried to talk to them but they didn't want to hear anything. She said, "Are you going to pay this or not?" and I said, "No, I can't." She laughed and said the summons will be delivered tomorrow by hand at my home... Time to get a lawyer on this. They have a lousy attitude. They think it is funny... I DON'T! I will NEVER use this bank again and will never give a good comment about them and never refer anyone to them. Can't wait to see my lawyer.
HSBC is terrible! We have had our credit card scammed twice and it has taken the bank 10 weeks to putting the first scam right. I am not looking forward to this next one. In the meantime we can't use the card because the limit is used by the fraudsters. Shocking service. Unsafe card. Don't touch them.
My husband and I had HSBC credit cards for over 20 years. We paid all our bills each month and had accumulated 1000s of points (which transfer to various flight miles, savings bonds, etc.). OUT OF THE BLUE, our cards were canceled. We called customer service and tried to resolve the issue. They said we had "neglected to send appropriate information". BS. They have never requested any info from us. We had been customers for years and years. We tried calling, we wrote letters, we got no response. If you called, they said write. Our letter was returned... "no such address". We lost $1,000s with this unexplained action. We have never gotten any of our "bonus" money returned to us. What a complete ripoff. After all the years.
Tried to make a payment using credit card online. Got as far as the one-time password, no password forthcoming. Tried 3 times. Called the HSBC folks who blamed the telco!! Bunch of amateurs.
As a new "premier" customer, they gave me a new credit card and said that I'd get $250 cash back or $400 in airline tickets if I spend more than $2,500 in the first three months. I spent the required amount, but they refuse to give me the bonus (in cash or airline ticket). I spent my $2,500 during the three months after I had received the card in the mail, but they say that I needed to have spent the $2,500 during the three months that began immediately after I signed up for the card at the HSBC branch. It took ten days for the card to arrive to me in the mail. How did they expect me to start spending when I hadn't received the card yet?
This is a small matter, but it makes me distrust anything/everything that HSBC says. I will soon be taking all of my money out of my HSBC bank accounts and I'll never have another banking relationship with them again. HSBC made a big deal when I started with them that I have a "premier relationship" and a dedicated Premier Relationship Manager at the branch. This person couldn't intervene in the dispute and get it resolved. Therefore, I suggest that the "premier relationship" is a bunch of garbage. My advice to anybody that reads this: stay away from HSBC, and don't believe any offers or come-ons they propose.
I'm having an experience now with my HSBC Classic MasterCard, it was really alarming. On May 05, 2015, I was already home with my family then suddenly I received a message on my mobile that there is a Cash Advance made around 11pm in the evening. So I quickly checked my credit card and surprisingly it is in my possession. I was shocked because no one knows my Cash Advance pin, even my wife. So what I did is I immediately called the customer service but it was unavailable. So the next day, I called. As I spoke to one of the customer service and told her about the situation last night, she checked and said, there was attempted cash advance but it did not happen.
I want to be sure so I called them the next day and inquired then when they checked, the cash advance transaction was there with the amount!!! I immediately asked them to cancel my card and request for a new one and then I also did file for a dispute. After some time, I did receive the new credit card but I did not activated it anymore since I have not received the result of the dispute. After some months for a filed dispute, I get the results and it was valid means I have to pay that transaction.
It was hard for me because I did not make any transaction like that and so I did make an extra effort. I went to the place where the transaction happen and asked for the guards where is the physical office of the ATM machine. I went to bank's office (not an HSBC ATM machine but it is where they made the cash advance). I did talked to the bank manager and asked for screen capture or CCTV footage and she told me that HSBC should be the one making the investigation. So I was hopeless, so I went to nearest police station to file a police report but the police said that I should ask the bank (owner of ATM machine) for CCTV footage or some actual records.
So I did went to the bank but the manager said there is no CCTV on that area, and she just advice me to contact the Bangko Sentral ng Pilipinas Consumer Affairs. On the same day, I did asked assistance to the Bangko Sentral ng Pilipinas consumer department but only they can do is to forward my concern to HSBC. Now I do not know what to do anymore and I do not want to pay the transaction that I did not make. If anybody could give some advice with regards to this matter and it would be very much appreciated.
Stay away from HSBC. We are Premier members. You need a minimum of 100,000 in your bank account. We constantly get our card blocked due to the fraud department claiming suspicious activity. It was a pain to call but we did it. Finally after the 10 or 12 time, we reached our end. I called them to tell them that I am traveling so please do not put my card on hold. They said they would put a note that I am traveling. The second I leave the state, I get a call from the Fraud department about suspicious activity. It was still pending. I told them it is all legitimate. They said fine. I try and buy something and it doesn't work. Turns out they put a hold on the card? The last thing a consumer needs to worry about is if their card is working when they travel. That was it. When I get back, I am paying off my credit card and removing all accounts associated with it. There is a reason why HSBC doesn't thrive in America.
Talk to 4 people and denied the proper rewards promised when open the account. Hours on the phone w/ customer service, bad connection, bad approach and no solution! Call again and again. The worst credit card customer service!
I have been working overseas for some time now and this is the second time HSBC has blocked my UK account as they say I had mail returned that was delivered to my UK address or so they say. The account was frozen and I only find out when I try to transfer money to pay off my credit card. So now they are winning with interest and charges as I can't pay the card! So I email them via online banking confirming my address, etc. and the account is still frozen as they say I must call them. Now this being the second time they have done this I didn't want to waste time and money on international calls. So I confirm all info via email again. 4 months later still no account access, and interest and charges being added to said credit card.
Upon asking for a direct number and email of a manager in UK they unlocked the account still refusing to refund charges and interest. Credit score now shot and interest and charges mounting up. It's criminal what these people do. I've had accounts for 20 years now in different countries, never ever missed a payment and I've even worked for them for 5 years when I actually thought they were a decent bank. They have gone way downhill. Accounts pending closure in UK. Never again with those muppets.
I have had an HSBC MasterCard for years. During this time, my card gets periodically blocked because of some "suspicious" charge, which may be as arbitrary as buying gas in a different state from which I live. I am never notified in advance; on several business trips my card has been blocked without warning. Unblocking it requires calling their "fraud department", which is basically a call center in India. This is without a doubt the worst company I have ever dealt with.
Their "customer service" representatives barely speak English, are rude and completely unhelpful. In each instance, unblocking my card has taken hours on the phone with multiple people. If you can't tell them the exact date and year when you opened your account, they tell you that they can't proceed with the call. As if anyone has that information. Each person I talk to seems to have a different set of requirements. HSBC is a perfect example of a company that has grown too big for its own good. I just applied for a new credit card with a different bank, and am looking forward to canceling this one.
In 2006 I was offered a credit card with a $200 line of credit, but by the time they took out all the fees it left me with a balance of $59.00 to spend. I made the 1st payment and my balance was still the same. This has been 9 years ago and they have passed it from collection agency to collection agency. Now they say that I owe $595.00. I can't get in touch with them to clear this up. So they keep passing it on to another collection company and keep adding to a $200 balance. In another year I will probably owe more.
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