About HSBC credit card
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HSBC is a British banking and financial services company that services the United States, as well as many other countries. The bank provides retail banking services to individuals and investment banking services such as asset management and securities brokerage. Customers can open up a savings or checking account, invest in certificates of deposit (CDs) or choose HSBC for a credit card, mortgage or personal loan.
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Charges you 3.25% on local currency transactions. I paid Airbnb with my HSBC card (Singapore Based) and was charged a DCC fee. This apparent “fee” as indicated to me by the HSBC customer service staff claimed that it was charged by Visa, and actually had the cheek to tell me to call up Visa. I remember when I authorized the transaction via 2nd factor, there was nowhere this fee was indicated, both by Airbnb side or even via the Visa portal. It showed that I was paying in SGD on the site (my card local currency) and nothing further. Extremely dishonest practices and the bank statement merely shows DCC fee without any indication to what was it for. The customer service personnel also told me to refer to their website on what DCC fee, even after I explained many times that I did not authorise any foreign transactions.
He claimed that this is standard practice by all banks, so I went back to my previous months Airbnb receipt where I paid via Amex. Can confirm that Amex does not charge this additional fee? Very unethical, as I think if you are going to charge for something it needs to be notified and directly accounted for. They weren’t even able to legitimately tell me what this fee is for, as I did not do a foreign exchange. Unbelievable that MAS is allowing for such dishonest practices.
The absolute worst bank and customer service I have ever experienced. Charging random cash advance fees and dynamic currency conversion fees, with vendors that I have used before and no other bank has ever charged me such fees for. Charging me interest for outstanding balances when my balance is always paid off well within the monthly payment deadline. Tried to contact customer service via SecureMail, chat function, call centre, and email – SecureMail and mail never get a response, chat function takes three hours to respond and have incompetent untrained reps who provide generic answers that aren’t helpful, call centre similarly know nothing and can’t action anything. Refund finally agreed, and was promised to be in my account within 3-5 working days, and still haven’t appeared after a month. Disgraceful and disgusting how a large bank can treat their customers with no respect and get away with it.
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HBSC is a sick joke. I have spent weeks trying to get an answer to what would seem a simple question: why did HSBC accept a payment to clear my outstanding balance, and about a week later, reverse the payment? And this happened twice! HSBC sent me a congratulatory email for paying off my balance. And then without any explanation, reversed the payment and never notified me of the payment reversal. The first three attempts to get an answer yielded the answer that the bank that issued the check had to have reversed or declined the check. The problem is the bank issuing the check never received any request to honor the payment.
Requests for copies of the transaction history were declined, because supposedly the statement contained all the available information regarding the transaction. Communications 4-5, yielded no useful information. Number 6 yielded a promise of a phone call that would answer my question. Alas, number 7 yielded confirmation that HSBC did in fact reverse the payments. Their claim being they weren’t able to find the account which the check was drawn on. They didn’t make any effort to contact the bank, and they never informed me that payments had been declined. The last employee of HSBC I spoke said she thought it would be a good idea to inform customers when a payment has been declined!
I have been trying to get a manager from the billing disputes department in the credit card division to give me a call for 4 weeks now and have logged in over 60 phone calls to customer service trying to get them to help me and tonight I spent over 3 hours trying to get customer service to let me speak to a supervisor then after about 9 attempts and multiple hang ups from their reps they said, "Sorry it's too late. All the supervisors went home and you'll have to call back tomorrow." I couldn't believe what I had been through and then I get a response like this.
The reps are all fools & idiots and no one knows what they are doing. You never get a coherent answer to any of your questions and trying to get the billing disputes department to call you back well you'll have better luck getting hit by a car than this happening. If I could give zero stars I would. This bank is absolutely horrible and if you don't end up losing your mind just give it time you will. Stay clear from these people!!!!
I noticed alert fraud after reported. Changed new one credit cards very bills come and received email one time for billed and frustrated to not find through payment cause messed up changed new credit card then I called them to paid on Jan 14. Last Sunday I checked on balance that shocked why two time billed again is impossible this month but I didn’t receive email bills. That second pay bill again very late date why not tell me. I am upset and not like that late more than I did not receive email second bills. I don’t understand why two fraud that not good. I called them that didn’t resolve problem. Before I payment that never missing. After fraud after hurt me cause messed up twice bills.
This bank is atrocious and untrustworthy. Getting customer service help is like getting a root canal and half the time, you can't understand a word they're saying which is a complete waste of time especially for a customer like myself getting angry. I've had money stolen from them and it took forever to get my money back because of their disgraceful service in which other banks such as Chase or Bank of America would've resolved within hours, not days or weeks like this bank does. Thank goodness I switched to another bank that treats its' customers with the proper service they deserve. Also this bank is involved with many frauds which also have lead many other people to switch banks and also put this bank out of business.
I opened an "interest free credit card" with these bullies on 02/02/2017. I made the first payment on time and yet there were unsubstantiated charges on the next statement. This literally continued for the next 3 years. The item I purchased "interest free" was paid off more than 18 months ago and they have continued to levy fees and charges. Despite an ongoing review of the matter, they have lodged a number of late payment records on this account and singlehandedly destroyed my credit rating. I operate a number of other utilities and cards and all a near perfect. DO NOT GO NEAR these people as they will damage your ability to do business and not give a damn.
My extremely unpleasant experience with HSBC happened as follows. I had used my HSBC CC to sign up for a web hosting service with Bluehost, and this service is billed on an annual renewal basis, which I agreed to and paid for. Before the renewal came due in March of this year (2020), I sent Bluehost a request to cancel in February, which was more than 30 days prior as per their policy. And Bluehost sent me a confirmation email (which I, regrettably, deleted) that stated my subscription was cancelled and my account was closed.
About a month later, my HSBC statement came in and, lo and behold, there was the $140 Bluehost charge on it. So after many, many attempts of trying unsuccessfully to resolve this issue with Bluehost, and discovering their system makes it impossible to receive any assistance from them without an active account. Including receiving a refund on a charge for something I never received. I contacted HSBC for help. What ended up happening, is that for MONTHS, HSBC has dragged this issue on (this is now August of 2020) and they have only kept reinstating the charge to my card. And they have done so despite me informing them multiple times that I am being charged for something I have never received.
My Bluehost account was closed in March, and I have had no active account with them at any point since. And yet I am still being forced to pay for a service I've never received by both parties involved. I admit that deleting the confirmation email I was sent is my fault, and that's on me. But email or no email, I'm still being charged for something I've never received. And HSBC is just as guilty as Bluehost, in my opinion, for allowing this to happen.
This is not only unethical on both these businesses' parts but it's ILLEGAL. And if I had the resources I'd hire an attorney for sure. But since I don't, all I can do is pay the $140 and receive absolutely nothing for it. And relay my story to other consumers to warn them of both these businesses. And as far as HSBC goes. Not only are they useless when it comes to protecting their customers from bogus charges. But they refuse to close my account now too until my card balance is paid. Talk about adding insult to injury.
Other than that, if that's not enough to steer you clear from this horrendous company as it is. It also takes forever to get a CSR on the line to tell you they can't/won't help you. And you get disconnected half the time after twenty minutes of waiting before you can even get to that point. The only redeemable thing about HSBC is the CS agents themselves, as they were always very polite and always tried to do what they could with what limited resources they're given. But if it weren't for that, for their agents. I'd give this company zero stars if I could. Consider yourselves warned.
I put a dispute in for scam jewelry which was not real and they disputed it and took off but put back on and closed my card. DO NOT GET HSBC CREDIT CARD. They are not from us and do not stand up to laws.
HSBC is the worst credit card that I have owned. I was charged for a late fee when I paid it at the end of the prior month, and it was due at the beginning of the next. The customer service person tried to give me some erroneous information that it is a rule to pay on the same month, so you won’t get a late fee. Hysterical! What bank rule exist that you can’t pay a couple of days before the due date? Now I’m being charged the double amount because of the late fee. Their credit card is a sham. Bank elsewhere and forget about his so call bank with their antiquated website. Go for the real banks!
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