HSBC credit card Reviews

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.

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.

HBSC is terrible. I called to check the balance of my credit card and to see if my statement had been mailed. I was placed on hold for an hour, and when I did get to speak with someone they shoved me over to what they said was the "credit card dept", which turned out to be card security. I verified who I was a via them sending me a verification code. And then they proceeded to demand that I send them a copy of my drivers license and other verifying documents. I told them there was no way I was sending them a copy of my drivers license. I had no idea how they would use that data once it was out of my control.

The bank and its staff are not trained, unqualified and will unnecessarily create barriers to facilitate simple transactions. I was unable to reset my banking password, HSBC was slow in responding and I have ultimately wasted min of 8-10 hours over the course of few weeks trying to get access to online banking. I will never deal with this bank again, and strongly recommend for anyone to stay away from them and choose a better banking partner.

I called HSBC to get clarity on our recent statement for a commercial card. The statement arrived sooner than we expected. We've paid the minimum but I wanted to clarify a few simple things:- How much is the balance due? - When does the balance need to be transferred by to avoid interest? - What options do we have for making this transfer? - If we are a four days later than this date, what are the charges and interest? - Is there any way we can arrange to pay a few days late when a grant payment arrives without incurring charges?

These people are the worst. Customer service is more than horrible. Did not speak to one person out of 6 who spoke English. I wish I would have read these reviews before applying for a 0 % balance transfer. I was told 4 different things, received a statement for 5000.00 on 4/18, called today and they say 0 balance. Balance transfer checks were cancelled, I was charged by the companies I was paying off, because HSBC cancelled the checks. None of this has made sense, they are horrible. Glad to be rid of them.

I had a security hold placed on my credit card due to my making too many payments! HSBC did nothing to contact me, no phone call, email or text saying there was an issue. I initially called and waited on hold for maybe 20 minutes and was told to call back the next day to talk to the security department. When I called I waited another 20-30 min on hold and was told to email a copy of a bill to prove my address, I emailed it multiple times and it would not go through. The phone got disconnected and I called back and was on hold for 44 minutes before I hung up. I tried calling again later and I was on hold for over 1 hr and 49 minutes without speaking to a single person! I ended up hanging up again.

This is the worst company to even think about getting a credit card from. They have the worst customer service and this company is a complete FRAUD AND A SCAM!!! They should be investigated for fraudulent practices. Serious ineptitude and many don't listen, don't speak properly. Most of the call centers are overseas and will transfer you multiple times and you still don't get real answers. And from what I see here they are also proned to hacking so your personal information are at risk. DON'T DO BUSINESS WITH THEM, YOU WILL BE PUTTING YOURSELF AND YOUR CREDIT AT RISK and they will not care, will not help, and cannot verify anything.

This is the most horrible bank I have ever dealt with; and I am 72 years old so not new to this. I will not bore you with a story that is repetitive to so many of the others. I can verify that they are not exaggerating. Do yourself a favor and stay away. It‘s a nightmare.

They have the worst customer service you can imagine. Mine was hacked soon after I started using it. It has been a nightmare. Their website is not secure, the reps give you various answers to the same problem and you will spend hour trying to get it fixed and it will not happen. The wear and tear on your nervous system is deadly in stress. Do not ever use this card. They induce people with promises of $150.00 to $300.00 credit if $2500.00 charged and paid for within the first three months. You will never see it. This group should not be allowed to do business anywhere. They sent my statements to the wrong address and I could go on forever, just do NOT use this card. Unless you hate peace of mind.

Do not apply for or waste your time with this credit card. You cannot sign up for online banking easily or even after 45 minutes on the phone transferring to different people and offices. Must get a PIN or telephone access code first and while that might sound simple, unfortunately it is the most difficult process I have seen so far. I am a middle aged man, have an average 800+ credit score for the last decade at least, have every major credit card in my wallet and this is the worst CC experience of my life without exaggeration. After another marathon phone call (Intl) when I was told they couldn't help me until I returned to the US, I'd had it. I am just glad I never charged anything on the card and I told them to cancel the card immediately. I WILL NEVER EVER APPLY FOR OR USE ANY HSBC PRODUCT EVER AGAIN! Future applicants be wary, this company has something significantly wrong with it. Avoid HSBC like Ebola or the bubonic plague.

I applied for this card due to the 18 month no interest. I received the card, activated it, and then the next tried to transfer balances. When I was in the online account the statement said no credit available. I attempted the live chat and got told to call customer service. I talked with customer service who told me their Verification Department needed to speak to me to verify information. Then I was told they only work from 8 am to 5 pm Monday thru Friday. How are you supposed to call them when you are at work during the same hours? I attempted to call the next morning, but was on hold for an hour and 40 minutes.

I got pre approved letter in my mail and I applied online for this credit card. After apply it didn’t tell me decision right away. It says, "Your application is being reviewed." Then after 3 days they wanted my driver license, paycheck stubs and address proof. I trusted and I emailed my documents to them. After few days I was told they couldn’t verify my identity. Are you kidding??? I emailed everything they asked me to do so. This company is a big scam. I called credit bureau and told them about it. So I won’t get identity problems in the future. I wish I wouldn’t have provided all the info to them. Oh well, we learn from our mistake. Never ever going to trust in this company again.

I applied for this card online and, in the course of my application, I had to step away and the application "timed out". I started again, from scratch because there was no option to get back into the existing application. I completed the application and was quickly approved. For the next week, I have received numerous, almost threatening emails to complete my application. I tried Live Chat to have someone cancel that application and was told that had to be done by phone. Yeah... it'll expire eventually.

This is obviously a scam. Used card once. Immediate hold put on the card. 5 days and almost 5 HOURS on hold and no live person. This is a disgrace and should be stopped. DO NOT GET ONE OF THESE CARDS. What a mess.

They sent me an invitation for a "pre-qualified" credit card in the mail. How I wish I had torn that up! Now it's 2 months later, I've literally spent hours in phone calls and emails and document-sending to them. So many repeated and varied screw-ups on their part! Big big big waste of time to deal with these totally incompetent people. Do yourself a big favor and don't bother doing any kind of business with them!

It is not a bad thing to be paranoid about conducting finance online. I appreciate when a company makes it hard to access personal information that certainly would be considered sensitive. In some small way that shows me that they care about the gravity of my personal data and that they are willing to take measures to protect that data and that is a very good thing.

Set up payment as usual this month. Went to use card and it decline. Was told 3 days for payment to clear. Payment clear my bank on 12/17/18 yet being told I have to wait 'til 12/26/18 for the card to be unlocked. We have a superior credit rating and have never been treated like this by any other bank or credit card. Canceling this card. Not worth the aggravation.

7 calls in 3 plus hours of holding, I have gotten nowhere. Just got my HSBC credit card last week, activated it and went to use it only to be declined. I call HSBC customer service and was told that my card was blocked due to security or fraud. I've never even used the card before. They transferred me to the security fraud dept and I've been on hold ever since. After 7 calls and 3 plus hours of holding I am ready to just close the account, but guess what? I can't even do that until I talk to the security fraud dept. By far the biggest joke of a company, up there with Sprint and Comcast. Would not recommend! Wish I had read these reviews before I applied for this ** card. So pissed I could punch a ** hole in the wall. HSBC is a joke and does not value you or your time.

This bank is a total scam. Cannot be a real bank. I applied because of the zero percent interest rate for 18 months. I got a credit limit of $5000. I used a convenience check to make a deposit into my checking account for $4800. Was charged a $192 balance transfer fee. I logged in a couple weeks later and paid that $192 fee plus another $200. Three days later they closed my account for non-payment and fraud. They didn't honor the convenience check. It was reversed on my checking account after a month and I was charged over $500 in bounced check charges and insufficient funds. HSBC will not get back to me. I have tried calling them over a dozen times but sit on hold for five or six hours and then they hang up.

After receiving a new card, I have spent in excess of 4 hours over the last week on hold trying to get the card working and access to the online account I opened. There has even been up to a half hour wait for initial contact who tell me they have no access to the account information and send me to another department which never answers the phone. One time, I was on hold for an hour and forty minutes and then disconnected. I just got the card for its no foreign transaction fees but it is certainly not worth it. No one I talked to could even cancel the account. I tried live chat too with no success, I have had charge cards for 40 years and never experienced anything like this. My suggestion is that you pass on this company.

I live in Japan and wanted some information from HSBC. I have phoned them in the past but found this to be expensive and only after a 30 minute plus phone call did I find out that they couldn't assist me with my credit card inquiry anyway. I therefore decided to use the secure email communication, but did not receive a reply within the 48 hours they claim is needed. I sent a second email and still nothing. I then had long and protracted Live Chats with employees who seemed determined not to answer any questions I asked them, but kept asking me to call the phone line. Each Live Chat operator gave me different information (none of which directly answered my questions). The only consistent part of my experience was its sheer awfulness and each employee's persistence to not answer any actual questions that I asked and pass the buck. Take your banking elsewhere would be my advice.

Moving to the US in 2014 with Google, HSBC was among the few banking options we had available that did not require prior credit score history. HSBC turned out to be a nightmare bank and the second we could switch banks we did so. Here's just a sample of the problems: Approximately 2-3 times per month the HSBC MasterCard was blocked for suspected fraud. This required calling their service center which has an average wait time of 45-60 minutes. In our two years of HSBC service, the credit card incurred fraudulent charges over 5 times. Each time it took months to recover the charges. Calling the HSBC customer support team is horrible and stress inducing. You first need to wait 20-30 minutes MINIMUM while they play 1980's Muzak music. They are generally incompetent, transfer you between departments because they are extremely siloed.

I opened an account in November 2018. I received my card and activated it. I then set up an online account that I couldn't figure out how to use because my account never showed up. I attempted to use my card a couple of weeks after I activated it and got declined. I call customer service and they told me that Security Department needed information. I told them that I never received notification and they told me that they were waiting for me to call in. I was then transferred to the Security Department but could not get through because they close at 5 pm. I was told that I had to speak with them and that Customer Service could not help me and that I had to call back on Monday. I called back on Monday and was on hold for over three hours and nothing.

I applied and received the HSBC gold MasterCard and activated about 10 days ago. I've called every single day twice a day waiting over an hour. Each time they keep trying to push me to another department and says call fraud or security. I don't understand it. I don't know what to do HSBC. I'm going to be putting this all over Facebook and Twitter. Also you have no idea how terrible your customer service is. I have tried such numerous times without a single correction or somebody to help me. My new HSBC gold MasterCard credit card still does not work and I cannot get through to anybody. Please call me and correct this asap. Get a hold of me and get this fixed right away.

I received my first statement two months late and there was a missed payment fee on it. I tried to reach customer support, and after calling the phone number on the statement I was put on a silent hold for a long time, and was disconnected, and I called again to be put on another lengthy silent hold. I got to speak to someone who gave me another number to call. I called that number to be told I need to call during business hours, but the following day I called during business hours and I got the same message. I have never experienced such a bad service.

Every time a credit card payment is attempted to be made the automated system states at end of process that the transaction cannot be completed and HSBC always states they're aware of issue and it will be corrected, REALLY, for a year!!! Then to make a payment to this company you can be on hold up to an hour or longer. This company needs to be investigated and it would be interesting to find out how many customers are charged late fees for no other reason but because the automated service failed to process payment, then the hold times are outrageously unacceptable. Avoid this company, they have been nothing but a nuisance to deal with since day one, they should be paying customers back for all of the annoyance and time consumption.

Updated on 01/04/2019: I was supposed to receive a statement this month including the Rs 27000 transaction to be converted into EMIs, but still my statement does not show this and I am to again for this month pay the 3% interest for the outstanding balance. Am I seem to be stupid? Why am I again being fooled by HSBC??? AGAIN THE COMMITMENTS MADE BY HSBC IS NOT BEING FULFILLED. What customer service your bank is offering? How can a customer be satisfied? I want this month billed to be reversed with the transaction getting converted into EMIs and get my revised statement. 3rd Jan my bill got generated and I was surprised to see my transaction again not converted into EMI, which was assured to be done within 4 working days from date 7th Dec which is the last time I had a talk with HSBC dept. Please take this matter into your priority list and resolve it asap.

I responded to an invitation that I received to apply for an HSBC credit card. The solicitation touted the "world class" customer service. I am not sure what "world" they are referring to. I wish I had reviewed the comments by other people before I applied. But, I did apply and was approved for a substantial credit line. After approval, I did receive the credit card. I was notified that I would receive a PIN in a few more days. Since I was traveling out of town for the Thanksgiving holiday, I wondered if I needed to have the PIN to use the card.

I've had the card less than a year. I have excellent credit and pay my balance in full every month. Yet in the past 11 months I've been declined twice for routine, trivial purchases and no one can tell me why. When I called to ask why I'd been declined it took THREE DAYS before I was able to get through to an agent, spending hours each day on hold. Also somebody hacked my account and tried to pay a $5,000 court fine in Doha, Qatar with it. Their fraud alert did pick that up, but how the heck did it happen???? I prefer paper statements for ease of reconciliation, but by choosing that preference I'm not allowed to look at previous statements online which I need to do from time to time. I don't think this company has their act together. I'll be getting a new general-purpose card and scrapping this account.