HSBC credit card

I've had the most frustrating credit card application experience with HSBC Australia. I applied for a credit card 3 weeks ago but I am still waiting on the application result while with other providers it takes a couple of days. I had to go to a branch twice and call the help desk 6-7 times to get an update and submit yet more documents and there is still no resolution. Their processes are very manual and outdated - I had to go to a branch to get an identification check. Departments don't seem to talk to each other - they asked me on the phone for documents I'd already uploaded and also submitted in person at the branch. They can't provide a meaningful update or commit to any timelines - on every call they told me they would come back to me within X days or hours and they never stuck to the promise. Don't bother, just go to another provider to save time.

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.

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.

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.

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.

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.

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.