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HSBC Credit Cards

HSBC credit card

 4.0/5 (289 ratings)
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About HSBC credit card

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Page 2 Reviews 10 - 40
Rated with 1 star
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Verified Reviewer
Original review: May 27, 2020

Honestly the APR rate is good and the intro offer was 18 months 0%. But wow what a BOOMER disaster their website and app is. The app on your phone is useless and you cant pay your bill. Also the security is really excessive where you have a username and password, a digital security device code, and a special code in addition to that they text you. How ridiculous. If you get a new phone you need to call support and give your first born child to reauthenticate your new phone.

When you go to the website to pay, the system looks like its from 1999. It is extremely difficult to setup autopay, or to even find the place to pay your bill at all. Funny how in both places on the web and in the app it is VERY difficult to pay. I have never experienced such a terrible outdated site. I was able to iMessage banking support, and it was fast and efficient, so it seems some things they have going right, but this website needs to be overhauled, and it's long, long, long overdue.

8 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: April 21, 2020

This (And, only this card) has been the WORST CARD I have ever signed up for. Their did it all app is a JOKE. Have sent them repeated feedbacks and e mails and phone calls but their app is still the same old cumbersome process. Ease of trying to lay off or see my statement on my iPad (Well, too bad..cannot do anything from iPad unlike other smarter and more efficient credit cards like Discover, AMEX, BoA, Cap ONE, Citibank (AAdvantage) etc.).

To make it worse, have seem in touch digital password options only here, and God forbid if ever have a log in issue, GOOD LUCK - Their system will have You remember not just ONE password, but this digital code and that digital code. Then one almost gives up and tries calling the so advertised 24/7 customer support and guess what one hears early morning (office are currently closed - Really?). HSBC should close down its Horror shop and no wonder why this bank is in such a horrible fiscal shape.

5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 28, 2020

HSBC has the worst customer service and they operate like it's 1999. Their website and app are so old and often do not work. You can't pay your bill from their app. Your available credit is not accurate. So many bugs in their system and their customer service forces you to talk to a chat bot who is dumb and their actual agents are slow to respond and provide generic responses with zero help. THE WORST EXPERIENCE. DO NOT USE!!

10 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 14, 2020

If I could give a lower score I would. Use or find any other provider. They make the transfer so needless complicated. It is, as far as I could tell, nearly impossible. I have used CITI, Discover, Chase and Bank of America. All are superior banks and products. Save your time and look elsewhere.

10 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 11, 2020

I got a Credit Card from HSBC and the first time I tried to call the customer service center it was a disaster. The people barely speak any English and they lie. I asked for a supervisor since the Agent was so incompetent, he told me nobody is available. I called back a minute later and told the Agent I want to speak to a Supervisor and lo and behold I got transferred to a supervisor. She was trying but also incompetent and barely spoke English - I told her to cancel everything and filed a complaint. (Holding my breath that something actually happens.) Stay clear of this Company.

13 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 26, 2020

I've had an HSBC credit card for 2 years. Several times during this period, I did not receive a monthly statement of charges due. I will always pay my statement in full after I receive it. I was hit with interest charges and late fees. When I talked to someone and complained, they eliminated the late charge but kept the interest charges. After this occurred several times, it's obvious no at the bank knows how to correct this or is not concerned about this.

11 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 14, 2020

I have about a dozen credit cards, all in good standing, I never had a bad banking experience until I got HSBC last year. Since then it has been nothing but bad experiences. I simply used my card, which was enough for them to repeatedly freeze it. They tell me to call in about the "suspicious" purchases. When I call in they asked me to answer some questions to verify my identity, I answer all the questions correctly; Then they tell me to provide them my "access code" so I dug through some year-old paperwork and gave it to them; Then they tell me to email them a copy of my drivers license and a current electric bill, I do that too.

Now they insist that I go to one of their branches to show my ID to a bank teller... Their nearest branch is 60 miles away (120 miles round trip). There is no end to the amount of your time they are willing to waste. There are lots of credit card companies, you don't want to apply for their card, it's not worth it. They are inept, disrespectful, and their horrible customer service is well documented on sites like this... They have a TERRIBLE reputation across all platforms. Avoid HSBC as if your credit rating depends on it.

11 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 7, 2020

I tried multiple times today to pay my credit card bill while before the cut off time as to avoid any late charges. Finding that it was impossible to add my bank information, I use the chat feature three different times with three different people who are assured me that I could not pay my bill on the app. I would not have to go to a branch. At 4:35 I drove to the local branch in Concord California on Diamond Boulevard. Rushing in to make my payment using my debit card from another bank. Once inside at 4:57 I was told by the branch manager that I could not make my payment with my debit card from another bank. I explain my frustration with HSBC and then was told by one of the tellers that I absolutely could make my payment using my laptop. I just could not make a payment using my mobile phone. I informed the teller in branch manager that three different chat people told me I could not make a payment over the phone and had to go to a branch.

I returned home and tried again to add my information to their app. Although their instructions told me there were add buttons for adding other outside bank accounts, no such buttons exist! Once again I talk to a fourth chat person, who again stated you could not make a payment using their app but that she would take the information over the phone and charge me a late fee as it was after 5 o’clock now.

I forgot to mention that on my way home I called a second time to the bank. Apparently their credit card people go home before 4 o’clock California time. The second time I called, some guy in India took 10 minutes worth of information from me and assured me that the credit card people are still there, but when trying to transfer the car found out that they were not there and immediately hung up on me. Who has heard of a bank that will not let you make a payment on your credit card using their application? Who has heard of four different people giving you different information? Please be aware before you go to this bank you will be lied to...And be charged late fees regardless of your due diligence. By the way, their mobile app is one of the worst I’ve ever seen and I worked for three different banks.

5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 23, 2019

Applied and then read the reviews (should have read first). Called to cancel application. They said it was declined because of no proof of income. Not for lack of income, but proof, even though they didn't ask, and there was no place for attachments to the online application, nor was there an email provided. HSBC stands for Hong Kong and Shanghai Banking Corp. Look it up. Hope they go back to Shanghai, uh, I mean London, instead of preying on Americans. We have Republicans to do that already.

11 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 18, 2019

HSBC credit card is one of the worst experiences ever, opened account. Set up alerts to make payments online thru bank, never got alert, says it takes two billing cycles to set up, Online it did not show payment due, but Philippines called for payment!! Very piss poor customer service, Do Not open an account with this bank!!

8 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Nov. 30, 2019

I had great credit before I started my credit card account with HSBC, but after the problems with their online banking and customer service it is now a disaster.

HSBC was offering a 0% balance transfer for one year. I received a text saying I had to complete the setup of the account. I told him That I had to complete the account set up and also was not receiving bank statements. I was told by the HSBC service person I had to call directly to another department. The number they gave me was to sell products in a different company.

I tried to get through other times with the same result. I still never received a statement. I then setup my account online to make automatic payments. The next month went by and still no statement. I called them again to get help with the auto payment since the auto pay was not working. They assisted me and setup the auto pay once again. It didn't work. I attempted to call them again several times but could not get through or due to the time difference was calling at the wrong time of day.

Eventually I got through and made a large payment to cover the previous months. They then said my account had been closed. I called and complained but said my account had been turned over to collections. I have had many credit cards and bank accounts and never have I had such a problem simply to pay them what I owe. If you call them, be prepared to talk to someone in a different country like, India, Vietnam etc.

6 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Nov. 29, 2019

Absolute Nightmare to make a single payment. Do not get this card!!! I'm doing a balance transfer after 1 month of holding this card. They should be reported to The Better Business Bureau. They make everything impossible. You need a pin they never give you to access online payments or phone payments. Eventually you get to talk to a person and they decline your payment method because American banks treat them as a security threat. Horrible Experience.

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Nov. 29, 2019

Would give a "zero" but no choice! I called to report a fraud, after one month they never took it off my bill. They have your number and they can't call??? Now they want the police report case #'s. Ok, given. Now after 3 months the customer service in India keeps bouncing me around even when I specifically tell them the department I need and that my case only needed police report case numbers. I spent 2 hours getting bounced by reps who say they are the "Fraud Dept". Even after you hit the correct number in the automated you don't go straight to the fraud Dept. 4 hours on the phone and when I expressed how I will cut up my card then they wanted to help. They want all your personal information but they say "We are not allowed to say where you are calling". REALLY?? I even had a reference number for my Fraud and they said "we don't see any fraudulent activity on your bill". Wow!!!!

Another issue is they want to repeat the same sentences over and over; Thank you for that question, that is a good question.... (read a script)... Just answer the freaking question or pass me to someone who can!!! NEVER do I go through hours and multiple people when it's a USA based calling center. Remember! People in the USA can lose their jobs if the customers satisfaction is low and people stop doing business with them but in outsourcing they get paid whether they help you or not. Most of the time they can't help; they only answer "simple" questions like balance, due dates, etc. They kept saying I'll send you to our "fraud team" after the rep said "Yes, I am the fraud team that will be helping you"! Yes you are helping me see that I don't want this bank or this Credit card!!!

If you value your time DON"T use them!!!! There is NO USA based call center!! I asked over 82 times!! Went to the bank but they can't help with credit card issues; only payments. Hate dealing with these incompetent call centers. Will go back to the greatest card company who is US Based and answers all their calls promptly without the run around bouncing back and forth!! Life is too short to hear repeats of the same scripts!!!

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Nov. 10, 2019

I have had an HSBC US credit card now for 4 or so months. It has been far too long. Nothing about this company is good. They post your payment to your account, it clears your bank account and then they proceed to still keep a hold for another 10 days. Their app is no good and their customer service dept leaves something to be desired. I will NEVER do business with this company again.

14 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Oct. 24, 2019

Just called HSBC c/s to report two months credit card interest overcharges due to failure to adjust for US prime rate reductions. All other Banks made timely incremental adjustments for the last two prime rate adjustments (7/31/19 and 9/18/19). I explained this not only affected me but undoubtedly millions of other HSBC credit cardholders. C/S response: "Could take up to two weeks to review 'my account' for a 'potential' rate adjustment?" I explained I wasn't asking for "personal" rate reduction but a correction based on the reduced prime rate. Response: same as before!!.. Are these people stupid or merely playing stupid to bilk millions of customers millions of $$ in excess interest rate charges? Or maybe just waiting for yet another class action filing before being forced to remit obvious interest overcharges.

11 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Oct. 16, 2019

This will be long, but please read so you avoid the psychiatric hospital bills this ** b.s. bank has made me incur. My head is still spinning over the twilight zone that HSBC will put you into. I received a letter from HSBC with a pre-approval. Not pre-qualifed. Pre-approved. I'm between jobs and my daughter has very expensive medical bills, not all of which are covered by insurance. She has cancer, and that $5,000 could come in handy, so I completed the identifying info requested and VOILA! I was told I would receive an email when the card was on the way.

I received my card, along with TWO ADDITIONAL LETTERS: one had an electronic banking code, and the second had a 6 digit phone access code. Together with the card, this was three separate pieces of mail from HSBC (I'll tie all this together, just be patient). I activated the card using the website address on the sticker affixed to the front of the card, and went online to change the 6 digit access code. BAM! After I changed the code, I was notified there was a security hold on my card. A card I had NEVER USED. I called the number on the card, and was transferred 3 times, after being told I needed the "fraud apps" team. FIVE ** HOURS ON THE PHONE, and by the time I got a live person, and had to answer a barrage of security questions REPEATEDLY, I was told that department is closed FOR THE WEEKEND. What legit credit card doesn't have 24/7 access and support? NONE. That's how many. NONE.

I would have forgotten the card, but as mentioned, my daughter has medical expenses, and that $5,000 was going to help. So I called again on Monday. FOUR HOURS ON THE PHONE. They sent a letter requiring identifying documentation: EITHER a passport, driver's license or ID as photo identification, a form from the social security administration to verify my social security number, and a request for a utility bill or bank statement to verify my home address. I sent a copy of my passport card. NOPE.

After another 4 hours on the phone, was told it had to be the actual passport, not the card. Sent that. NOPE. I completed the PRE-APPROVED application using my driver's license number, so they needed that, not my passport. REALLY? Your letter said I could provide a passport OR driver's license. Now you need both? Okay. Submitted that. But it has my mailing address/office on it, whereas my bank statement has my home address. So now I need to submit documentation to verify BOTH addresses - my home and my mailing address. Hey, morons. You sent me the card at my mailing address. You sent me the access code I'm using to call you to that address. If it wasn't a real address, we would not be having these (now over 20 hours) of ** conversations.

OH, and about that bank statement. The bottom right corner was cut off, so it wasn't accepted, although the address and all identifying information was perfectly clear. Guess that "page 1" makes a hell of a difference in identifying me. IDIOTS. Okay, so I submit my mobile bill as proof of my office/mailing address. NOPE. Need a utility bill. Hey morons, I don't get the utility bills at my office. I get them at home. And I already provided you with proof of that address.

In between this, the social security form was rejected because I forgot to check a box. I told them, "Go ahead and check it for me." "Nope, you have to do it." Which I did, and paid $7 for the post office to scan and re-send. GREAT NEWS! The social security form was accepted. Except then when I called back today to find out the status I found it wasn't accepted. "I don't see that in the notes here". "OH, and did you submit your driver's license?" "Yes, last week". "I don't see that here". "Oh, no wait...here's a note. I guess your social security administration form was accepted, but we still need a utility bill FROM YOUR MAILING ADDRESS." "Sir, once again, there are no utility bills for my post office box." But you did mail me the card and TWO OTHER PIECES OF MAIL to that address.

Is common sense non-existent on this planet any longer? I have bought cars worth $85,000 and had lines of credit for thousands with less issues than this ** $5000 card. SO...a few years ago HSBC was hit with fines for money laundering. In response, they implemented such ridiculous security measures you'd think you were buying a house worth millions. And who in the world feels comfortable email every piece of identifying documentation?? AND, their "fraud" team is only in India. Nothing in the US. Nothing in the UK. WTF? And they are closed on weekends. As if that isn't ridiculous enough, you can't even understand anyone who answers the phone. They just read off of their little script and have zero idea what you are talking about. Robots. Orwellian. Oh, and that is actually WHEN they answer the phone.

It has now been 2 weeks and my "active" card is not active, and I spent today and yesterday at the US Passport Agency and the Department of Motor Vehicles putting fraud alerts on my documentation. So now I have TSA issues to worry about next time I travel just for trying to protect myself from these fraudsters. Again, it was only my daughter's mounting medical bills that are not covered by insurance they kept me going back.

PLEASE PLEASE PLEASE avoid this bank and anything to do with them. It's a SCAM and you will never be able to use the card, and they will take all of your personal documentation and clone your identity and ruin your credit. Report this bank and shut them down. Some terrorist could be running around with your driver's license or passport number. And since when is a driver's license a form of ID? IT'S TO DRIVE A CAR. A passport will always supercede a driver's license. I hate these people, and I'm so angry that I was stupid enough to provide this information out of desperation to save my child. WORST BANK EVER. They are not even a bank. It is a SCAM to fund terrorists. STAY AWAY. REPORT THEM!

16 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Oct. 11, 2019

First time banking with this company had a great offer to transfer funds to an amazing 18 month 0% rate. As most people nowadays I use online banking. This company is pathetic as far as customer service (if you can get someone to answer) then they transfer you to another department normally overseas). I have yet to be able to login to my account, spoke to HSBC IT people (overseas). I have heard the same story from them we are working on your issue. It's been a month!!! On hold right now 30 min (after telling the same story for a month).... There is a reason why they do not have many banks in the UNITED STATES!!! As soon as possible I will end my association with HSBC.

9 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Sept. 23, 2019

Applied for this card due to the low rate - the card, app and customer service were extremely hard to use. Somehow when I called to cancel the card (which took forever) they made another Hard Inquiry on my credit - twice in 6 months which hurt my credit score for no reason. This for a card with a max. $8,000 limit when I have cards as high as $36,000 and a $0 balance. They are awful from beginning to end. By the way, you can’t even make a payment from their App, you have to call or go online from a computer like it’s the 90’s.

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 18, 2019

I have had this card for a couple months now. Made a couple large purchases and paid them off in full even earlier than the due date. I tried to use the card two weeks later and was denied. When I called the general Customer Service they said my account was frozen and the only Customer Service department that could answer my questions or resolve my issues work 8am- 5pm EST Mon-Fri.

I have tried contacting this department 6 times over the past several weeks (different days and times in the day) and have been on hold each time over an hour and even one time I was on hold for 2 hours. I keep trying other departments to see if they can help, even tried email and chat... with the same results... NO COMMUNICATIONS and HORRIBLE CUSTOMER SERVICE. This has absolutely been the worst customer experience I have ever had. PLEASE DO NOT APPLY FOR THIS CARD.

9 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Sept. 9, 2019

Before I received a card, I got a letter saying there was a security block. So I have a card that I can't use and they got my info. Tried to call the "fraud department" and put on hold. Nobody answers. Stay away.

10 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 21, 2019

Frankly I don’t have time to outline ALL of the details to my horrible experience with this company (as I have already wasted at least 3 hours of my time on the phone with them). However, I felt that it was important to warn others. The bottom line is that the cash back promised at the outset was not what was given. I tried to remedy the situation several times and they kept telling me they would “escalate” to another department and then call me back. This never happened. I finally paid what I felt I didn’t owe (due to incorrect cash back amount) just to be done with the whole situation. Also, at the end of the last conversation, I was told by a customer service representative that the offer I was expecting didn’t exist when I applied. Just for a little perspective on this, I don’t EVER apply for credit cards unless I know exactly what I’m going to get in return for the effort. He was just flat out wrong.

13 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Aug. 20, 2019

I was with this credit card company for 20 years plus, never, ever did I make a late payment and I also have a credit card with First Direct (and a bank account and a savings account with a considerable sum of money in it) who are part of the same group and again never once had a late payment on my card or gone overdrawn on my bank balance. I would be considered a five star customer. Two years ago I moved home and for some reason, I don’t know how, the company didn’t have knowledge of my change of address. I contacted everybody I dealt with but somehow I missed HSBC, probably because most times you phone they are too busy to take your call. Anyway inadvertently I didn’t inform them, last September I tried to use the card and it got declined. I was travelling at the time so I didn’t contact them until November to find out why I couldn’t use my card. They informed me that it was because I had defaulted on my account.

I told them that wasn’t aware of an outstanding amount as I hadn’t received any statements and then we discovered that the statements had been sent to my old address. They had in their possession my email address and my telephone number, wouldn’t have been difficult to contact me, knowing of my history with them and my previous excellent character. They charged me an extra £100 interest, they closed the account and put a default notice against my name. When I offered to pay them, the person on the phone said there’s no point in paying as they won’t come after me for the money. I told him that I wanted to settle the account so that it wouldn’t show up on my credit score as a default. This was in May when I settled the account and yet instead of showing satisfied on my credit score it still shows up as a default. This is an absolutely disgraceful way to treat a customer. Stay away from this company... You have been warned.

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 20, 2019

Their website is with a look, feel and functionality of the late 90s. I discovered my credit card was blocked just by accident. No notifications, nothing. Tried the chat....after 10 minutes, they transfer me to "security" team. 45 minutes on hold on the phone trying to reach this "security" team. After verifications, and 5 more minutes on hold it turned out this team cannot help me. An investigator would have to "investigate suspicious activity" and will call me at some point. So far 1.5 hours of my life wasted. Purchases from Menards, Floor & Decor and Home Depot were classified by the "security team" as "suspicious activity". Nice! I don't know what these people have for breakfast but...anything from the above listed I find unacceptable. Run Run away from that card.

10 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 11, 2019

I got approve for one of their cards that took over 3 months to arrive at my house. The original card was sent to the incorrect address so I had it resend to me. After receiving the card I called them because I wanted to take advantage of the 18 months no interest. Well to my surprise I only had 15 months left because they counted the 3 months that I didn’t receive the card...That’s pretty crazy if you ask me. I escalate the situation & they still said that the bank made no mistake. Even though the card was sent by them to the incorrect address & the USA post office returned the card to them. Awful customer service & false advertising. I closed the account & will go with a known & reputable bank like Citibank.

10 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: July 17, 2019

I own this card almost 2 years and it came to my mind that HSBC Australia uses different math than the rest of the world. I used offer to transfer other credit card balance for 24 month for 0% per annum. It is somewhat fake unless you do not use this card at all.

Concerns:

1. Pretend that you have transfer of $4000 (for 2 years), then you spend $500 during billing period. When statement is issued you pay $250. In these circumstances you will be billed 19.99% interest for the outstanding $4250. If you want to avoid this rip-off, you pay $500 or more. Imagine if you had transferred $1000, spent $5000 during billing period and paid off $4990. Then HSBC will charge you 19.99% interest for $6000. I asked twice “are you sure?" In my scale of values, you should charge interest on $10 only…?”, however, that is what I was told by the representative on phone when I asked how they calculate.

2. Pretend that you have transfer of $4000 (for 2 years), Then you go to Harvey Norman and purchase laundry machine for $1500. Then you decide to return the product as it does not fit ion your environment. Store, of course, returns money to your credit card. HSBC though, allocated money towards $4000 that you have borrowed and at the end of billing period you MUST pay anyway $1500. Otherwise 19.99% applies to the entire outstanding amount. The transferred balance will be reduced for $1500 even if you do not want to. The representative on phone said that this is how the system calculates the statements and he (representative) could not do anything about it.

3. On top of it, every transaction with overseas merchants is accompanied by not only “Special” exchange rate (similar to cash exchange rate at airport), but also some “international transaction fee”. I was under impression that “VISA” and “PLATINUM” on to of it is designed to be used internationally to deliver convenience and assurance. Apparently not this one.

Conclusion: HSBC offer is a trap. Had I known this; I would have never, ever, ever, ever applied to HSBS. They call it “Platinum”. Recommendation: STAY AWAY!

8 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 27, 2019

HSBC CREDIT CARD FALSE OFFER. ABOUT THE OFFER:

- Buy 1 ticket and get 1 free with HSBC Credit Cards.
- Offer valid on BookMyShow mobile app only.

- Offer can be availed on anyday for Saturday shows.

The offer can be availed once per HSBC credit card per month. It is valid up to 31 August 2019 only. Because of this offer only I bought this card, other I could have been bought some other credit card. But it is now changed to - [Offer can be availed only on Saturday for Saturday shows.]. Just for name sake they are giving this offer. Anyhow I am going to cancel the card. Well, this is my advice - if you are saying any offer stick to it, otherwise don't provide this kind of offer. Now it’s your turn. It all depends on you.

7 people found this review helpful
Rated with 5 stars
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Verified Reviewer
Original review: June 7, 2019

In seeking a balance transfer card with 0% APR, I was directed to a few cards. I was not interested in having annual fees, rewards, etc. The online application process was easy, got a confirmation email, then 3 days later approval email that the card was on its way! I too had seen so many negative reviews, I was cautiously optimistic. I do not know why others have had such a bad experience, but I was able to transfer another card balance, make online purchase, and pay-at-the-pump for gas. Within the same week, I went online and paid 2 separate times to cover a purchase I made, all without incident. Customer service hold time was longish, but got detailed info and got my questions answered correctly. So far, no issues and I expect to be able to pay off that bal transfer well within the 15 months allowed w/ no interest. After that only 14.24%. Well worth my effort in getting the card. Thank you HSBC.

11 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: May 31, 2019

I wish I had reviewed these complaints before getting a card with HSBC. Everything posted about this company is true. Believe it all because if you don't you will find out the hard way. I made purchases, paid the card before the statement and they put a fraud alert on my account. Now, I can't pay the card off or close the account. Spent 3 days now with their fraudulent fraud department.

On hold for hours EVERY TIME you call. Then when you send in the required documentation they request months later, you have to sit by your phone because if you miss their call you have to start all over again. They called me yesterday and I said hello 5 times and they said nothing and then hung up. I guess they filled their requirement by "calling" me. It's a fraud and scam to charge fees and not let you make payment to avoid interest charges and then won't let you make a payment. Scam! I have two other CC's and can handle fraud issues in a matter of minutes not DAYS. This has to be illegal and surely a lawsuit can be filed against them. I'll be checking with an attorney to see what options are.

18 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 18, 2019

Seriously, I never ever saw such cheap company service. In 2019th they charges us for calling customer service, begger sale, at_least start charges after receiving call by service employee, but no they put you on hold too long time and charge you so company can do payments of this employees. You required 25-40 INR to ask your simple query. I request you reader please don't go with HSBC Credit Card. If already have then stop its use. It's big company. They dont require customers now.

12 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: May 13, 2019

I opened a credit card for the advertised balance transfer offer. Like other reviews on here I spent close to 15 hours of my personal time trying to get the assistance I need. I was dragged through the mud to get the access to my online account that needed 3 codes, 1 to my phone and 2 to use online including an "EBN" number that does not come in the mail with the card. When in my account to take advantage of the "advertised" offer web page gave me an error after submitting the balance transfer request.

Along the way I had to give out "all" and I mean "all" of my personal identifying information to over 22 overseas persons on the phone to which most of them hung up on me or talked in circles and then left me to a false transfer. No "manager" ever followed up or could give me a clear answer or direct me to the appropriate department. I got an ** branch manager who refused to help me - told me to go away. One of "agents" closed my account without my authorization - that took another 3 hours of calling to find out.

This has cost me personal time - incurred interest charges, cancellation of my vacation and I am unable to get a competitor's card - after opening HSBC - now I get automatically declined with a 700+ credit score. Can someone let me know if there is a class action against them for this type of false advertising? I am willing to go all the way on this - they wasted so much of my time lying to me. One smug ** called me just rub in my that "the bank doesn't have to give me anything" after I requested a record of the posted transaction that was being handled to be fixed and then all of sudden cancelled. I have received balance transfer checks in the mail - with high postage paid on the envelope - but no correspondence after 2 weeks of awaiting my "issues" to be fixed - and zero notification of account cancellation - but rather I am the cardholder of a closed account?

How in the hell are they allowed to operate on American soil and have shut down all possible means of United States based assistance for credit card accounts and then block you from using the financial account that was opened at my financial risk(s) and then deny me access to its features and services!!! What in the holy ** hell is going on? In my determination managed to reach someone in Buffalo NY who told me that to fix my situation, "You would have to get very lucky." I have filed with the FDIC, BBB and Consumer Financial Protection Bureau (which is governing agency over HSBC). If you want open a claim do it through them. Anybody have resolution or legal recourse for similar issues please let me know.

16 people found this review helpful
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HSBC Credit Cards Company Information

Company Name:
HSBC
Website:
www.us.hsbc.com