HSBC credit card

HSBC is charging me thousands of $$ plus fees for a balance transfer that was not made! They sent me a letter 2 weeks ago saying that the money and fees were returned to my HSBC credit card. My account is still showing the charge, and I have spent hours on the phone with their reps in India & the Philippines (and who knows where else) trying to get this resolved. The issue has been "escalated" twice, but the money is still being charged to me. I finally filed a complaint with the federal Consumer Financial Protection Bureau. DO NOT BANK WITH THIS HORRIBLY RUN COMPANY.

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.

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.).

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!!

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.

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.

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.

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.

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.

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.

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!!

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.

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.

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!!!!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

HSBC CREDIT CARD FALSE OFFER. ABOUT THE OFFER:

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.

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.

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.