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HSBC credit card Reviews

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About HSBC Credit Cards

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HSBC is a leading global bank with a focus on international services. It offers a range of banking options, including checking and savings accounts, credit cards, personal loans, mortgages and wealth management. HSBC is best for individuals who can maintain a minimum $75,000 balance across all HSBC accounts, receive at least $5,000 in monthly direct deposits or carry an HSBC mortgage of $500,000 or more.

HSBC Credit Cards Reviews

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    Page 3 Reviews 40 - 240
    Customer ServiceStaff

    Reviewed 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.

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    Customer ServiceSales & MarketingPriceStaff

    Reviewed 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.

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    Customer Service

    Reviewed May 9, 2019

    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.

    Again I demanded to know my balance and if the statement had been sent out, and if they could not tell me my balance then tell me if my statement had been sent. All I could get out of them is that they needed to verify the account. Now I'm pissed off and I told them if I do not see the statement they are not getting paid; I don't care if they send it to collections. Then I proceeded to say if and when I do see the statement I am going to pay the balance and close the account they just lost a customer. Be glad to be rid of these guys cause. They are terrible at customer service. They just run you in circles and offer nothing. I'll never do business with this outfit again.. BTW customer service is from 9 am to 5pm M-F ONLY. Lame.

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    Staff

    Reviewed May 9, 2019

    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.

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    Customer ServicePricePunctuality & Speed

    Reviewed May 3, 2019

    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?

    I'm currently 2hrs40 on the phone. I've known the answers to all of their security questions so haven't cause any delays, and have asked those questions quite clearly. HSBC have transferred me to speak with Shahil, Agne, Gee, Morahd and Mario in different departments, none of whom can confidently answer any of those questions. Some have answered those questions completely incorrectly and when asked to clarify haven't been able to. At the moment I need to pay on either the 7th or the 23rd (I'm pretty sure it's the 11th, but no one has said that yet), and will be getting penalties between 0% and 22% PER MONTH!

    After a 40 minute hold stint we've now got Damien, and I'm back on hold. I'm pretty sure HSBC are obliged to answer these questions, but ever since I said "help me to avoid paying the interest", I'd describe this call as incredibly obstructive.Damien just told me the wrong date, he counted wrong by a week. This is terrifying. If you have any choice, avoid these guys. Oh good Lord, I got disconnected. That must be illegal.

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    Customer ServiceStaff

    Reviewed April 26, 2019

    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.

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    Customer Service

    Reviewed April 23, 2019

    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.

    I contacted the company through their chat option and their first response was for me to call the same number I had been trying, eventually, the person on the chat got ahold of someone in the department and got the hold cleared, this took approximately 30 minutes to accomplish. Now I'm being told the payment that was fully taken out of my bank 4 days ago will take several days to post to my account even though my other payments usually post the same or the next day! I am unable to use this credit card due to the ineptitude of their security and customer service department! If you never have to call for customer service or their security department this is not a bad card however if you ever have an issue make some popcorn and have a drink because you will be waiting forever!

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    Customer Service

    Reviewed April 16, 2019

    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.

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    Reviewed Feb. 24, 2019

    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.

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    Customer ServiceOnline & App

    Reviewed Feb. 21, 2019

    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.

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    Customer Service

    Reviewed Feb. 6, 2019

    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.

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    Customer ServiceStaff

    Reviewed Jan. 31, 2019

    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 finally hung up, called the customer service number on the card and talked with a CSR to close the account. She said she would have to call the Verification Department to get them to close the account and HOPEFULLY she could get through quicker. She came back on the phone about 15 minutes later and said the account was closed and I would be getting the letter I requested stating that in 7 business days. DO NOT deal with these people. This is definitely the worse company I have dealt with in the past 35 years of credit cards and financial dealings.

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    Sales & Marketing

    Reviewed Jan. 11, 2019

    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.

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    Customer ServicePunctuality & Speed

    Reviewed Jan. 11, 2019

    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.

    Today I received the card. I tried to activate it online and already started running into glitches in the site. I came here and I am relieved I haven't used it or transferred any other balances to it. I will lock it up and never use it based on the average complaints and 1 star reviews here. I will however, monitor the account to make sure nothing suspicious happens. If it does, I will promptly close the account. This entire group of reviews is downright frightening! How is this allowed to continue without any consequences to this organization? Appalling!

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    Sales & Marketing

    Reviewed Jan. 3, 2019

    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.

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    Customer ServiceStaff

    Reviewed Dec. 27, 2018

    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!

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    Customer ServiceStaffReliability

    Reviewed Dec. 24, 2018

    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.

    I have an HSBC credit card and I use the website as a way to view my balance and payment information. When I first got the card I was able to login to the HSBC Bank page with my username and password. About two months ago they added another layer of security by forcing me to log in using my username, my birthday, and then my password. My birthday is not high-security information; in fact, many personal data websites will list your name, the city you live in and your date of birth. Adding my birthday was not the best way to harden and validate the authentication process. A month ago, citing concerns over security, HSBC adopted ReCaptcha on the login page. The sequence to access the page is to enter the username, birthday and password and the possibility of having to solve a ReCaptcha screen (pictures of traffic lights, storefronts, etc.).

    This morning, despite multiple attempts at trying to solve the ReCaptcha image of headlights which I believe was correct, I was told to keep solving until I could be verified. Eventually, a screen came up which said; "Your credentials have been temporarily revoked. Please call 1-800-555-1234." This phone call put me on a long wait line to talk to a customer service representative.

    My first complaint. My birthday is not private data, would not a pin code created by the user work better? My second complaint. ReCaptcha obviously is not a good way to deter unwanted traffic if, in turn, it inconveniences customers who have a legitimate need to access the website. Resolve: There are a host of two-factor authentication tools out there that far surpass birth dates and being able to identify street lights from grainy photos. A few banks that I do business with will send me a code in the form of a text message which is good for a limited time on top of the username/password combination. I would never complain about security but the current security used by HSBC is adequate at best and the recent additional layers add nothing but inconvenience and annoyance for legitimate users of the website.

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    Reviewed Dec. 21, 2018

    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.

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    Customer Service

    Reviewed Dec. 19, 2018

    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.

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    Customer ServiceSales & MarketingPricePunctuality & Speed

    Reviewed Dec. 17, 2018

    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.

    I got through on Saturday after waiting on hold for 7 hours and 14 minutes only to be told that department is closed and to call back Monday. I have now been on hold 4 hours and 47 minutes. If they don't get to you before 5 pm, they leave for the day and you will never get through. So you have to call at 8 am and then will sit on hold for 9 hours without getting through if they don't hang up on you first. They are keeping my $392 in payments I made plus I was charged over $500 by the bank where I have my checking account. This should be illegal.

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    Customer Service

    Reviewed Dec. 13, 2018

    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.

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    Customer ServicePriceStaff

    Reviewed Dec. 12, 2018

    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.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2018

    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.

    Their online bank is shockingly bad with a terrible user experience. Their mobile app is even worse. It's basically a webview powered app with stuttery performance, weak feature support and a terrible authentication flow. They have only two branches in SF with limited hours. Overall, HSBC has been such a cause of stress and frustration. We changed to First Republic and it really is night and day, but I'm sure changing to ANY OTHER bank would be a massive upgrade. Stay away from HSBC.

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    Customer Service

    Reviewed Dec. 11, 2018

    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 called customer service back and they told me that they would call me back when they had someone from the department. After 5 pm, they called me and said that they couldn't get in contact with the department and they were now closed. I called customer service back and asked to close my account and was told that they again couldn't do that and the Security Department had to handle it. Here I am on Tuesday and I was disconnected by them after waiting for an hour and a half and now I'm on the phone again and have been waiting for over an hour and I just want to cancel my card. Honestly, this had been the worst experience of my life. Please for your sake, DO NOT DO BUSINESS with this horrible company. Capital One, Citi Bank, Amex... The options are endless, just please go with someone else.

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    Customer Service

    Reviewed Dec. 8, 2018

    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.

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    Customer ServicePunctuality & Speed

    Reviewed Dec. 7, 2018

    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.

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    Punctuality & Speed

    Reviewed Dec. 1, 2018

    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.

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    Customer ServicePrice

    Reviewed Nov. 29, 2018

    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.

    Original review: I hold a credit card from HSBC and this is a new credit card added. I already use credit cards from other banks like SBI, HDFC, Induslnd etc. While offering the HSBC credit card I was said, "You will get an option of easy EMIs on ur card." I made a transaction of around 30k on my HSBC credit card and then I am not able to convert into EMI. When contacted the customer service they say I do not have that option in my card... Easy emi conversion is any basic bank offering any customer even with basic limits... else why would anyone go for credit cards???

    Then I posted a complaint with customer forum and I received a call from HSBC that the transactions would be converted into EMIs and they apologize to me... Now I have been continuously making reminders on this issue. And this is almost a month and my next bill date is 3rd December and my transactions are not yet converted into EMI's. I want these converted into EMI's as soon as possible as promised to me by HSBC. And if not converted into EMI's then I am not going to pay any Bill's for the credit card. And I won't be responsible for this or any interests or any charges then applied towards the card.

    This is almost a month I have been waiting for your replies and making reminders for the transactions to get converted into EMI's. Are you guys testing your customer's patience? Super poor customer service from HSBC. I want an immediate action to be taken on this issue else I am bound to register case against your bank.

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    Customer ServiceStaff

    Reviewed Nov. 24, 2018

    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.

    To get more information, I called the referenced telephone number and finally got connected with a customer service representative after a 40-minute wait. The customer service representative sounded very young and there was a language problem. This young woman sounded as though she was Asian, maybe Chinese. This seems correct since HSBC is a Chinese bank. I asked this young woman if I could use the credit card if I did not have the PIN. She did not know the answer. It is a simple question, I should have received a simple answer.

    She came back on the telephone and told me that it would take longer to get the answer. She said that she had to call HSBC security to get an answer. This act by her would result in my never used credit card being "frozen". Finally, the connection was dropped. I then tried to reach customer service by "live chat" online. I waited for a while and was finally connected with an online customer service representative named "Kenneth". He said he could solve my question but needed more information and he needed to send me a code via text to my phone and to do that, he needed my phone number.

    Keep in mind, I had given my phone number on the application and received at least three texts and emails affirming that my credit card had been mailed. So, Kenneth came back to me and said that my phone number was not valid and he asked for a different number. I said to him that this was my cell phone, and like many people, I did not have a second number. He suggested to me that I call HSBC security for clarification and he said that my never used card was now "frozen" which I did not know until this moment.

    I tried to call HSBC credit card security but I was prompted that I needed a PIN which I did not have and this was why I called in the first place. Since I was out of town and not available to see if I had received a PIN, I would have to let this go until I was back to my house. I had also asked Kenneth if I could go to a branch to resolve this and he said no, it had to be done via phone. Due to this terrible service, I am returning the credit card that I was issued. I have not used it and it can be returned. I suggest to anyone who is considering a credit card through HSBC that they apply for a card from another bank.

    I have never had this problem in all my years dealing with American banks or credit card issuers. The initial customer service rep did not know how to answer my question and she caused this problem by calling HSBC security and likely said that there was a caller who did not know the correct information so the credit card should be frozen. Later, Kenneth said that my phone number was not valid. I find that incredulous since even Social Security allows me to contact them via my phone as do my bank and other credit card companies. I do not need this card and I wish I had never applied. As many others have said, the customer service at HSBC is terrible. Go to another bank, do yourselves a favor. They do not need you and you do not need them.

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    Customer ServiceStaff

    Reviewed Nov. 19, 2018

    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.

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    Installation & SetupPunctuality & Speed

    Reviewed Nov. 17, 2018

    I applied for this card online and my approval was immediate. I received emails when the card would be shipped and also the pin. Everything arrived on time. Account set up was a little tricky since they have to send a code to your phone, but with a little patience I got everything working just fine. I used the card the same day that I activated it. So far so good. I have used it at multiple stores and locations with no issues. I was able to set up payment with no problem. However, I set up payments and such as soon as I open a new account. This way I get the alerts by text before payment is due and simply click and pay. I don't wait till the bill is due to start learning to navigate a site.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed Nov. 15, 2018

    I got this HSBC Mastercard in May after they sent me a preapproved letter. It took hours to finally get the rewards. Then on Sep 9 when I paid my bill they took double from my bank account. After being put on hold, being dropped and transferred I finally got an agent who blamed the website upgrades. I still have a print of the logon but there is no input box for the year of birth and yet you get an error.

    Finally I found the Firefox browser worked. Since Sep, over 2 months, they still have not returned the extra payment instead charged me fees for late payment when I was not late, but paid double. I downloaded my transactions into Excel and the total does not match the summary page. They will not give you a direct phone number so every call and dropped call is a long hold. HSBC agents will threaten you about ruining your credit, if you don't pay the extra they are demanding. I have only had it for 3 months when the trouble started. I have paid my entire balance on time every month so the current demands are ridiculous.

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    Customer ServiceStaff

    Reviewed Nov. 14, 2018

    I applied for HSBC's Cash Rewards Card, I received the card 3 weeks ago but I cannot use the card since they said I need a pin even though I did not ask for one. The put a security block on my card AFTER they said that they sent me a pin. I have been calling every day for weeks and still cannot get any help, I am hold for hours, I went into a branch and they said that they cannot help, that even the branch is placed on hold. I called 8am this morning, and as of 9:22am I am still on hold waiting for a representative. This promotion has benefit IF you use the card within 3 months, are they misleading people by holding off usage PAST the 3 month period? Seems like it to me. One star is too much to rate, negative stars would be better.

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    Customer ServicePunctuality & SpeedReliability

    Reviewed Nov. 9, 2018

    I have attempted from the time I signed up for the HBSC card to get someone to help me get signed on to my online account. I do have an ID and password, but the only response I get after logging on is: System Error, System unavailable. Attempting to use the online Chat is a waste of time. No one ever is able to help, after waiting excessive amounts of time. What's up with this company? If I had it to do over I would NOT use HSBC. How does one get online to see account activity and make a payment? Can someone help with this?

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    PricePunctuality & Speed

    Reviewed Nov. 9, 2018

    I was going through a tough time and wasn't able to pay my bill. HSBC refused to remove any late fee and also refused to apply my rewards credit toward my bill until it was paid up. Any other credit card company would have helped out under these circumstances. Terrible company. They will rob you blind with interest every month! DO NOT DO BUSINESS WITH HSBC!!

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    Customer ServicePrice

    Reviewed Nov. 8, 2018

    These crooks are doing all kind of illegal things. In 2007 they were offering a trip to Hawaii and for $300 for two people. I paid for myself and my BF at that time. They had also "the participating hotels" were charging different fees which I paid also to be at the hotel. I chose the 3 departure dates they asked me to, but every time a departure date was approaching they would cancel it. They took my money and never refunded to me. When I called 1800 number at the Salinas, CA, the HSBC location where I spoke to the person in charge of the trip, they would not answer the phone anymore. Be careful with these scammers. It is better to close the account as I did, they are real scammers. Last time I heard from these scammers, they were going to open in Brazil. I still have all the papers and letters from them to prove.

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    Customer ServicePunctuality & SpeedStaffReliability

    Reviewed Oct. 22, 2018

    I have been unable to login to my online account center from the moment I registered so I called for help yesterday. The rep was unable to figure it out so she submitted a ticket to IT with a promised callback in 1-2 hours. The call never came. So I called back today to get an update. No record of any such ticket having been opened.

    After over an hour on the phone (mostly on hold) I am told that they'll need to open a ticket (again!) and they'll escalate it but the timeframe is 7-10 business days. TWO WEEKS to reset an online account login! At this point I ask for a supervisor and that's where it all goes downhill. I asked the supervisor what we can do to expedite the ticket? Nothing. Can she call IT to expedite it? "NO, we just have to allow 7-10 business days for a response." Can someone call me to give me updates? "No. You just have to wait 7-10 business days." Can you just delete my online account registration altogether? "No, we have to do an investigation to determine if we feel that is the right option." Mind you this is after the 1st representative has told me that they see that I AM logged in. So not only can I not see my account, but according to them someone using my log-in info is in the system already.

    Then the supervisor has the audacity to ask if I'm signed up for email statements. I don't know, I've never been able to do any online account maintenance but I don't know what the random login they're seeing in their system has done. Her suggestion is laughable, "Well i can read you your transaction history over the phone today so you don't get any late fees." When did I say I was concerned about late fees? I'm concerned that I cannot review my account even though your system says I can.

    I have worked in customer service for another credit card company and all of the requests/suggestions I made were absolutely doable had the supervisor actually wanted to help. I will be paying off and closing this account ASAP. I just want to warn others that if HSBC has such awful customer service over a relatively minor issue such as online account access just imagine how they'll treat you over a bigger issue.

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    Customer ServiceStaffEase of Use

    Reviewed Oct. 12, 2018

    If you get an enticing offer from this card, run the other way and consider literally any other bank. They made good on their promise of $150 cash back after spending $500 and the redemption was simple, everything else was horrible. I will make a list instead of a story. 1. Online payment center difficult to use because the payment portal is separate from the transaction portal. It’s also hidden under “manage account”, not “payment center”. 2. The customer service is atrocious. When you can get through which isn’t always and can get past the 39 minute wait time, you get an inept person in a call center that at best repeats everything you say and then in the end cannot help you.

    3. They will not connect you to the US even if you ask. 4. The US customer service is JUST AS RUDE. 4a. The rude woman who raised her voice at me in the US when I was trying to explain the FRAUD ON MY ACCOUNT was also not able to help me. 5. I had fraud on my card on June 8. They sent me an affidavit which I returned and then DENIED MY CLAIM FOR NO APPARENT REASON. 6. After I sent records that I was IN the HOSPITAL at the time of the fraud, they insisted that I file a police report. 6a. I wasn’t notified that my claim was denied yet again for no reason. And again I had trouble getting through to anyone who would properly explain what’s happening with my account.

    7. Thanks to this website, I found out about the Consumer Financial Protection Bureau and submitted a complaint. I finally got my money back in October 11 — again without any notification that my case was resolved. 8. CFPB is a LEGIT ORGANIZATION and is very helpful with a variety of credit card issues. 9. It took 4 months and many many many calls and lots of time and frustration and anger to get clearly blatant fraud resolved. I HATE this bank and highly recommend to steer clear of them. Will NEVER do business again.

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    Customer ServicePunctuality & Speed

    Reviewed Oct. 2, 2018

    Please do not take HSBC credit card. Waste time!!! Horrible card I ever have in my life!!! I just got this card, the card is locked. I call there, no one knows why my card is locked. Waiting time is 2 hour. I decided closed my account.

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    Customer ServiceStaff

    Reviewed Sept. 26, 2018

    The reward on the card is okay (1.5% cash back) but it is not worth it to deal with the customer service. My credit card was held because HSBC detected a fraud on a purchase of $2000 USD. I have called for the 1st time and waited for 2 hours, and then had to hang up. I went to the branch and the staff could not help and all they could do was to call the same number and waited. This was crazy. What kind of service was this?! And they kept saying, "We value your call. Your call is very important to us..." total bull. After this I immediately redeemed all the cashback I have and never looked back. I have another AMEX card which is a lot better.

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    Customer ServiceOnline & AppStaff

    Reviewed Sept. 21, 2018

    I've had many credit cards from many different companies. HSBC has got to be THE WORST - by a MILE, hands down, bar none. Typically, I get cards with zero APR period, spend the full balance on a specific purchase, close the card, then pay it off within the zero APR time frame. I did this way my HSBC card only to find that a) my auto payments were cancelled, b) I can no longer make payments from the website!!! No other card does that! So now I have to phone in a payment every single month! 4 different live chat agents told me outright LIES. Added to that, the website is convoluted and user unfriendly, and signing up was serious pain in the neck. NEVER AGAIN.

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    Customer Service

    Reviewed Aug. 28, 2018

    I waited on hold for the fraud prevention department for 45 minutes and then had to hang up. Called back and waited 1 1/2 hours but could not wait any longer. Called back again and waited 2 hours until someone answered. They were supposed to mail me a 4 digit code so I could activate my card but I never got it. Customer service could not help me although I called several times. I finally decided to go with Discover. Discover was awesome!!! Needless to say, I never activated my HSBC credit card. It's depressing that my 800 credit score was slightly decreased from the inquiry. Hopefully, others have a better experience but I was in tears by the time I finally decided to take my losses and go to another company. I could only imagine a 2 hour wait every time I had to call on a fraud alert. There are much better options available.

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    Contract & TermsSales & MarketingPricePunctuality & SpeedOnline & AppStaff

    Reviewed Aug. 28, 2018

    I am new to HSBC. I opened a credit card with them. I received my first statement via mail. Statement showed a minimum due of $25, on August 28th. I put the statement down and forgot about it. Yesterday I went through my paperwork and found the statement realizing it's due tomorrow. I went on the HSBC app and couldn't find out how to make my credit card payment from the app, so I went onto the website. I went to make the payment and the website showed $0 due on August 28th. I checked to see if maybe I made the payment and forgot. Nope, I never made a payment. So why is my statement saying one thing and online says something else?

    I did the live chat with a representative, had a 6 min. wait... not bad. I asked if I have a minimum due of $25 or not. The representative said yes. I then asked why online says something different. The representative gave me no explanation, avoided my question and simply stated to go off my paper statement which is accurate. I then said "so online account information is not accurate?" It sounds like a way to scam people to get them to default in their terms so they can charge the outrageous late fee and jump the APR way up. I DO NOT TRUST THIS COMPANY! I have NEVER experienced this with any credit card EVER! I've established my credit at the age of 18, I am now 39, my gut instinct is telling me to close this card immediately. This company is definitely running a shady business.

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    Customer ServicePrice

    Reviewed Aug. 24, 2018

    After not responding to many calls about credit cards issued without my permission, I contacted the Consumer Financial Protection Agency who finally forced HSBC's hand and revoked all fines and interest.

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    Customer ServicePrice

    Reviewed Aug. 17, 2018

    This card offered no interest on purchases and balance transfers. I transferred a couple balances and then took the card to the grocery store where it was declined. I called multiple times and finally received an answer when they transferred me to someone in the US. Their system had put a hold on my card because of the transfers. There was nothing on their jejune website stating there was a hold. There was also nothing stating that they needed a copy of my drivers license to release the hold.

    At first, I was excited about the multi factor authentication, however, they didn't use it before putting the hold on my card. They also sent me a PIN number in the mail that was rejected as authentication in their IVR system. (Their customer service number requires the card number or your Social Security number and either the PIN or a telephone access number. Not once did it work with the card number and the PIN.)

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    Customer Service

    Reviewed Aug. 4, 2018

    I researched the right card for me and this was it! Unfortunately, the customer service over phone and online chat were horrible. After activating card online, I couldn't use it for a charge. Calling HSBC for help, that was a lost cause. The announcements while on wait claim "world class customer service". Sadly, I couldn't get any service. On one day trying to get through, I was on hold for over 15 mins but couldnt wait any longer as I had a meeting. Attempting another time, I was on hold for 2 hr 21 mins on one cell phone and 23 mins on another cell phone. After being on hold for 2 hrs and 31 mins, they answered and hung up on me.

    The main service number is limited in what they can assist with so I had to be transferred to a security area. I decided that even though the benefits of the card were right for me, the service was not. So without even having my card activated, I closed my account. They said someone would call me to discuss. Why would I believe that would happen? Of course it didn't. Pathetic world class service by HSBC!

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    Customer ServicePricePunctuality & Speed

    Reviewed July 16, 2018

    Folks, this is a failing bank. I got a mailer on a credit card with no interest for 18 months and filled it out without thinking. I was busy. Having been in the mortgage business prior to 2009, I knew HSBC was a pile of crap but just wasn't thinking. Card arrived, the pin never showed up. I fought and fought with endless 'push 2' then 'push 4' garbage and then on occasion a person who couldn't speak English. Finally I just said "Card is lost! Send me a new one" thinking it would then have a pin number. New card finally came...NO pin number within 5 to seven working days. I called and called. I had to go out of town to a very small township miles from any metro area. ONE gas station---ONE little motel. NEITHER WOULD TAKE THE CARD. There was ONE ATM but it required a pin.

    I called and called and went through HOURS of being told they could generate an emergency pin. I had NO GAS! I had no cash for the motel. Then as the store with the ATM closed, HSBC told me they were having system issues and couldn't do it. They said to call again the next day. I spent the night in my car. Next morning---same thing hours on hold, only to be told they can't generate an emergency pin and didn't know why I was told that. I had to have someone come from my hometown with cash so I could get home.

    At home the next day I started on them again and they said a pin should have been sent but they would send another in up to 7 working days. Two hours later to be sure, I called and went through an hour of crap to get another non English speaker who said the records DID NOT show that a new pin was being sent!!! This person said she would make sure it happened. In the meantime I have a useless card. HSBC closed their only Oregon branch. They are failing. DO NOT USE THEM.

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    Customer ServiceStaff

    Reviewed July 15, 2018

    I called to HSBC to close my credit card account. The person that attended me was very rude, she asked for my name and told it twice, and she said "SIR I need your name to help you" in very bad tone and sighing. I haven't seen anything like this in other place before. I don't recommend this company at all, credit card is not good and customer service even worse.

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    Customer ServiceStaff

    Reviewed July 5, 2018

    This by far, is the worst credit card company that I have ever dealt with. The customer service reps give you the runaround, and I feel that they just don't care about their customers. They reduced my available credit by a significant amount with no explanation. When I contacted them to see why this had happened, they were guessing that it had to do with needing more verification. I emailed the information that they had requested, they never bothered to contact me back to let me know that everything was back to normal with the limit on my credit card. Don't waste your time applying for a credit card, unless you're willing to go through the unnecessary foolishness.

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    Customer ServiceStaff

    Reviewed June 28, 2018

    I only applied for a simple credit card. No one called me at all from the company or emailed me. Every time I called no one knew about my application or anything. I went from phone to phone and person to person and no one could help me. I told them that a man by the name of Jeffrey in the security department just had to ask me a question before sending it to the processing unit. He told me I will receive an email. I never did. I tried calling back to check on the status of the card, but got the runaround. I called this bank like 6 times. Not one person from this bank reached out to me. This has been the worst bank experience I have ever had in my life. A complete disgrace of a company!!!

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    Customer ServicePunctuality & SpeedStaff

    Reviewed June 25, 2018

    I cannot believe the incredibly poor and extremely frustrating customer service I have received from HSBC over the past 10 days. I have documented my experience below and need to share this wherever possible so no one else makes the mistake of banking with this horrendous institution. My problem has yet to be resolved:

    Thursday, June 14: Logged into my account and realized an attempted payment of $790 I made on June 2nd had been reversed. There was never any notification of the reversal or that a payment was still due. Immediately I made a payment for $848 but then tried calling the number on the back of my card to understand why the June 2nd payment was reversed and to ensure the $848 payment will go through. Customer support rep told me my account was locked and I needed to call 800-528-0694 during 8-5 ET M-F business hours, and it was already too late in the day.

    Friday, June 15: Called the suggested number immediately in the morning. Was on hold for extremely long waits (about 30 minutes each time – I tried calling twice). The second time I called, when I was put on hold, after about 30 minutes the call was just “disconnected” – I had to get back to my work and could not spend any more time attempting to reach customer service before 5pm Eastern Time.

    Sunday, June 17: I attempted to use the Live Chat option to resolve my issue, but the agent told me my account was locked and I would need to call on Monday. She gave me a new number: 877-826-8611. Monday, June 18: Called 877-826-8611 per the direction of the agent on my live chat. After a long hold, they told me I needed to contact customer service and transferred me. I hung up (because customer service had already told me last week they could not help) and tried calling the previous number I was given: 800-528-0694. Again was told I would need to speak to someone else because my account was locked. I live chatted again, and again I was told I would need to contact A NEW number – 866.320.4113 for the fraud dept! Called this number and was on hold for 1 hour and 21 minutes!!

    Woman in the fraud department said she could not do anything to help me with a payment, and that I would have to call customer service, but she would look into my account and call me back within 20 minutes to see why it was locked out. She has yet to call me back. I called USAA (the bank where I was funding the credit card payment from), and they have no record of HSBC attempting to take a payment – nothing on June 2 or June 14. Meanwhile I have tried to access my HSBC credit card account online to verify the USAA routing information was correct – but my account is locked so I cannot do this. I asked Live Chat how I can view this, and they told me to call the number on the back of my card! I tried calling this number again and was on hold for 12 minutes, but had to hang up for a work meeting. Live Chat told me at 9:50 am that someone would reach out to me from Security. I have yet to be contacted.

    Called 877-826-8611 again at 12:40 pm to find out what is the latest. They told me they are the CHECK fraud department and cannot help me. Called 866.320.4113 again at 12:43. Man who answered said my account was locked (YES I KNOW), and he transferred me to someone else at 12:48 pm. Was on hold until 2:15 (for an HOUR and 30 minutes) before I finally had to hang up. I live chatted with Doug during the above and he told me they would reverse any late payment if one is incurred, he would also add 1000 points to my account and request more from his manager. He said there are notations on my account for all the times I have called. He confirmed that my cc bill was attempted to be paid by my USAA acct ending in ** - that is the correct account. No one ever called me back from HSBC.

    Tuesday, June 19: Called number on back of card again at 9:30am and spoke to customer service rep. Explained I wanted to make a payment to the card. She said card was on hold and needed to connect with security team (same thing we have been told time and time again). She said, rather than sitting on hold, she would connect with the security team and have them call me back in 20-30 minutes. This was at roughly 9:45am PT. It appears HSBC called me back at 11:36am but I was in a meeting for work and could not answer. They did not leave a message nor did they send me any further communication via email or via the message center in my account. Nor did they try back at another time.

    I called back at 2:20 PT and tried to explain to a representative what happened. He immediately transferred me to the security team. Security picked up after about a 5 minute hold and said "let me transfer you to the team that was looking into your case" and I was sent to a recording that said "we're sorry, we are unable to answer your call. Please try again later." ABSOLUTELY INFURIATING! An incoming call from HSBC at 3:00 pm PT. I answered and said "hello" 3 times. No one responded. Then the call disconnected. No one called back. Wednesday, June 20: Someone from HSBC reached out to me via email to tell me they were investigating my Better Business Bureau complaint and would be in touch with me as soon as possible. I followed up with this person twice now and no one has responded to me.

    Thursday, June 21: Someone from customer service emailed me to tell me that they forwarded my inquiry to customer service in the US because the email I had emailed was UK. No one has reached out to me yet. Monday, June 25: Joined Live Chat again for assistance as I have not heard from HSBC since middle of previous week. Live Chat told me I needed to call Security Team and provided me with YET ANOTHER new phone number: 888-206-5963. Called this number at 7:15am - someone answered after 8 minutes of holding, then said "please give me some time - I'll transfer your call to the right department" - then put on hold again... 30 minutes passed and someone else answered. He told me he needed to transfer me to the right department!!! This is UNBELIEVABLE. Puts me on HOLD AGAIN! Still on hold...this problem has not been resolved.

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    Customer Service

    Reviewed June 21, 2018

    Opened a credit card a few months back and this is the worst one yet by far. First, online banking is user-unfriendly and too many unnecessary steps to take to get where you need to go. That alone is a deal breaker. Had to contact customer service for several reasons and that took forever to get questions answered. I want to close this account, period.

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    Customer Service

    Reviewed June 15, 2018

    If I can give 0 stars I would. Horrible customer experience. I called multiple time regarding a product change on my credit card and even after a month they would say it takes 7-10 business day at the most but we are still processing your request. Doesn’t makes sense to me.

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    Customer ServiceStaff

    Reviewed June 12, 2018

    Have had this card for about 5 years. I have to verify my transactions with the security center about once a month and basically every time I travel. Getting hold of an Indian call center representative who has little ability to do anything but read from a script is a routine hour long herculean effort. I’ve regularly had unbelievably rude customer service from HSBC’s call center where they literally say they cannot do anything for you and if you have any complaints to take them up with your branch. The algorithms used to track potential fraudulent charges is totally bogus at HSBC and must give 99% false positives. The nightmare service has been repeatedly blogged about and discussed on multiple forums but there is simply no attempt by the “World’s Local Bank” to address customer dissatisfaction with the horrendous service levels and bogus false positives in their security systems. Do yourself a favour and pick a different bank for your credit card needs.

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    Customer Service

    Reviewed June 10, 2018

    In my short period of time in the business world, I have never dealt with a company as inept as HSBC but more specifically, their Credit Card Operations. The bank has the worst customer service I’ve ever experienced and worst customer support of any credit card that we’ve ever used, and we have quite a few. It makes me appreciate the American Express Cards and Discover Card because those companies treat us like valued customers and provide “World Class” customer service.

    I’m not going to go into detail of what we've been through with HSBC because there is too much to detail. At this point we just want to wash our hands of this horrible company but can't even close our account because HSBC fails to comply with our wishes. I want the balance of our Cash Back Credit Card sent to us immediately because that is money we earned by using this lousy card. I wouldn't refer anyone to do business with HSBC because I have absolutely nothing good to say about this Bank/Credit Card servicer.

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    Customer ServiceStaff

    Reviewed May 24, 2018

    I got an offer from this card and called in to get more info but they told me I can only apply online. I told them unfortunately they did not list some of the info online, like the balance transfer fee. First of all, calls are routed to a foreign country, so you have poor connection. Also, the agent does not listening to what you have to say, instead she repeats the same things like a parrot. When you ask to speak with a supervisor, she again keeps going on and on about what she has to say, never listens. Horrible customer service and I hate it when the calls are answered by people who can't speak proper English and are at a different country!

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    Customer Service

    Reviewed May 22, 2018

    They put a hold on my account for no reason, every time I call they transfer me 4 or 5 times, no one knows what they are doing, they are rude. I am going to cancel this card completely... What do I need them for... Nothing at all.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed April 5, 2018

    I called to report my card lost on March 6, I confirmed with the agent about a transaction I made and my balance, I was told my next payment was on April 10, about two weeks later I received a phone call from HSBC collection department saying I was late with the payment for March 10 and there was a late fee posted to my account. When I called back to inquire about the issue the agent said there was no statement sent about the payment due on March, but there will be a new statement for payment due on April 10. I continue to received phone calls until April 5 to collect the payment due on April 10. Management is poor, they provide wrong information to their customers, very disappointed with their service.

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    Customer ServiceStaff

    Reviewed Feb. 21, 2018

    HSBC sent me a credit card without my application. I never applied for it! When I called them, I got the runaround from the customer service operator Afzal. He would not tell me who applied for the card or any reason why I received it. He said it would go to the fraud dept. That is who I thought I was talking to - the fraud dept. After a ridiculously long wait on the phone pressing all the buttons, I was supposed to be talking to the fraud dept. When he asked for my phone number, I refused to give it as he asked to verify it. I asked him what phone number he had, and he would not tell me! So I have absolutely no idea why they sent me this card of if someone is trying to steal my identity. Something is fishy here.

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    Customer ServiceStaff

    Reviewed Feb. 12, 2018

    I've had their card a short time, under a year and it was finally hacked by someone and used to purchase an airline ticket. Well, the bank simply replaced the card with a new one which I received in about a week then activated it only to find two nights later they rejected (3 times) a purchase I was making? When I got home I found an alert had been issued regarding 'my' attempt to make that prior purchase? I called their security number that was given me in the e-mail but got no response? I finally found their security number (different number than my e-mail), called them which appeared to be on another continent or maybe even, planet? I was then asked a few ID questions and if it was I whom made the attempts to purchase the item at the store I used my card and I told them it was in fact me.

    I was then told "ok, thank you" and I should have no more problems with them stopping my card service each time I used it? But what was really interesting is when they ask you to take a one-question survey and the question you're asked is, "would you hire the person who had just helped you?" Oh hell yeah, sure I would, I mean in the course of our two-minute exchange of words I got to know this person better than my own family! Unbelievable!

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    Customer ServiceStaff

    Reviewed Feb. 1, 2018

    I received a credit card pre approval invitation to open a credit card with this company offering $150 rebate after spending $500. I applied online after calling and reaching a very "challenged person" obviously reading a script and did not understand English or the value of someone's time. Then went on to tell me I was being transferred to someone else but there would be a very long wait. So I declined and applied online. Talk about a zillion questions and very personal info they want and after answering ALL THOSE QUESTIONS, I receive an email saying I have been declined due to my identity could not be confirmed with a number to call. I called the number and got no help or suggestions only a rude woman saying my application had been declined due to unproven identity. Are you kidding me!

    You people sent an invitation preapproved to my home address with my name on it, not to mention I have owned my home. For 20 years lived in the same place and have STELLAR CREDIT with over 800 FICO score. So I asked that all my personal information including SS # be deleted and then was denied that as well. Then I got very firm and said, "look. You are not providing me with a credit card and legally if I ask you to delete my personal information you are required to do so." They said they would. If you get a preapproved invitation to this card, DO NOT WASTE YOUR TIME. Totally unprofessional and incompetent!

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    Customer ServiceStaff

    Reviewed Dec. 20, 2017

    I wanted to know my balance transfer amount, I tried to check online and I used the automated system but neither would allow me to view this info. I called the number on the back of the credit card, finally was able to get a live person, they were unable to help me. I got transferred 4 times, waited 40 minutes and received this resolution from the representative "I'm sorry sir, try going online or using our automated services." The entire customer service might as well be automated, they both offer no help!

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    Customer ServicePunctuality & SpeedProcess

    Reviewed July 28, 2017

    Listen, I sort of get it. HSBC is a large global entity, and as such I imagine the volume of customer service issues that they have to deal with is humongous. Nevertheless, it's even more imperative that they should have good customer service and have systems in place to deal with all the issues that keep cropping up. In March, my credit card was frauded about a week and a half before I left the country for a two-week business trip. I called them, I asked them to send me a replacement, and they assured me that I would get it within 4-6 business days. They also asked me if they were supposed to send it to an old address in California, and I asked them to send it to my current address in NYC. They made me go through an address change, which was fine, but then as it turns out, the card didn't actually get sent till about a week AFTER I had made the initial call.

    When I called, they assured me that it would get to me in time... and it did, but it got sent to my California address. Mind you, this happened after they had processed the address change. So I then had to spend my own funds to get the card priority shipped to me, and after all that, I didn't even get an apology from HSBC. I let it go, because until that point, HSBC had been fairly decent in customer service. Fast-forward till today. My credit card was frauded five days ago, so I called the Security Centre, went through the process, asked for a new card. Given that I had a week and a half until I left New York, I was assured that it would get to me in 4-6 business days. I asked, I confirmed, I made them aware that they would be shipping it to my new address. They assured me that they would process it right away. This all happened Sunday.

    Today it's Friday and I hadn't received ANY notification about it whatsoever, so I called just to check on the status. The first call I made, I was told that it was shipped out and ready to go. Then they transferred me a bunch of times just to confirm my details, and they put me on hold for ten minutes, and then they came back and told me that ACTUALLY, they hadn't confirmed my details at all, so the card hadn't even been processed, and in fact, it wouldn't be shipping out until next week. I received no call, no email to follow up, nothing to indicate that they needed something from me, and when I brought this up, I was told that they were "behind on following up on all these requests".

    I was willing to let the first experience go since it felt like a one-time deal, but twice in five months is a bit much. HSBC needs to get some good infrastructure in place to handle these sorts of things - it seems a bit ridiculous that consumers are bounced from department to department repeating the same things, only to then get told that HSBC can't actually process their needs in a timely manner because they are "lagging behind" in handling these requests. It's quite frankly unacceptable, and I'm very disappointed in what used to be an excellent bank.

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    Customer ServiceStaff

    Reviewed April 22, 2017

    I have been a loyal, law-abiding Credit card holder with HSBC for over 11 years. Recently, without informing me they suddenly cancelled my card & did not even bother to inform me. The problem at their end only arose when I planned to claim my Bonus points that had accumulated to nearly 40k. Since I had been regularly also paying an annual fee for my Krisflyer membership, I wanted to convert these points to miles, when lo and behold my card is cancelled. I called them innumerable times, but the customer service Rep knew nothing about it & said someone would contact me.

    When no one contacted me, I called again and this time was connected to someone who said could address my queries. She told me it was a system error, but most of the time she sounded clueless and kept making random claims which I corrected for her. I told her I had NEVER defaulted in my payments, so why the cancellation? She couldn't answer that. When I asked about my Bonus points she told me very sweetly that they would be forfeited and the bank will be very kind and reissue a new card minus the bonus points to me. I now wonder whether this whole drama was about my claiming the bonus points. All these years, I didn't claim anything, so they had no problems, and now when I did wish to convert some of my points to miles, my card was suddenly cancelled by their 'system'.

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    Customer Service

    Reviewed March 11, 2017

    I had a credit card with HSBC, I paid my bill on time and I have a credit rating of 820 plus. In 2009 they decreased my credit limit. I called several time asking why and no one would actually tell me why. I found out through someone that once worked for HSBC that if a credit card is paid off each month then that account is no good for them because they are not making money off of you. They sold my credit card to Capital One, with the same low credit line. I am going to cancel this card completely... What do I need them for... Nothing at all.

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    Reliability

    Reviewed Jan. 31, 2017

    I'm requesting paper statements instead of e-statements so I can monitor my account very well. They claim I have to do it myself by logging into my account online. The problem is that I can't log in because I don't have access to internet. Also they're online banking is the worst. I honestly don't know how they're still in business.

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    Verified purchase
    Customer Service

    Reviewed Jan. 27, 2017

    I have applied credit card of HSBC, your person collected my all documents and verified all documents, and I didn't received any call for verification. Now I called up to customer care. They are telling my application has declined, why I don't know. If you don't want to give a card then why you collected my documents and why you had called me for applying.

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    Customer ServiceSales & Marketing

    Reviewed Nov. 2, 2016

    I have applied for a HSBC Platinum Qantas credit card and first used my credit card on 4th August 2016. HSBC billed me the annual fees on 9 August 2016. On 1 November I contacted HSBC asking why the 60,000 Qantas Points was not credited? They stated my application was entitled for 40,000 Qantas point not 60,000. When I applied for HSBC credit card it was because I read in the internet that a 60,000 Qantas point will be credited to you if you spend $2,500 in three months after the credit card was issued. I have spend more than $10,000 but only realized that they credited 40,000 not 60,000.

    Another issue was about the free Qantas Frequent Flyer card also not fulfilled by HSBC as advertised, I have to contact Qantas Frequent Flyer and purchased the card not as what they advertised, free Qantas Frequent Flyer. I felt been cheated by HSBC. This credit card sale technique was unprofessional and am thinking to cancel it. My advise to everyone is must print out the copy of their sale brochure at least with a screen shot to prove your entitlement. Get them to email you a copy of their promise before signing up.

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    Coverage

    Reviewed June 29, 2016

    I opened a HSBC Credit Card in September to buy my daughter a new laptop since they were offering 0% interest. I paid off the balance of the card and the very next day HSBC cancelled my card without warning. The only reason I paid off the balance was to cover the rest of her college tuition. Had I known they were going to cancel the card, I would not have paid off the balance. I have never had a credit card company cancel a card without notice or reason. I will never open another credit account with this company again.

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    Customer ServicePunctuality & SpeedStaffReliability

    Reviewed May 15, 2016

    My HSBC credit card has helped me a lot of times especially during emergencies. It is a very reliable card. It has never let me down. I am happy that I signed up for this card. Their customer service reps are always easy to talk to. They are friendly and are not rude. The wait time is very short - less than 3 mins. I use this card to pay bills, for my monthly donations and, rarely, for shopping. I just hope that they improve on their promos. Other credit cards have very good promos. I hope they focus on this.

    Also most of the cards nowadays have WAIVED ANNUAL FEES FOR LIFE. I'm really thinking now of changing cards if HSBC still continue to charge annual fees. I know that it can be waived but it is now automatic or it is conditional. I still have to call and still have to use the card and spend a specific amount of money so in essence I still paid for the annual fee unlike the other cards where I won't have to do anything. I really don't want to change cards but if nothing happens soon I might have to. Nevertheless, aside from the promos and annual fee, I'm still satisfied with my card...

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    Verified purchase
    Customer ServicePriceStaff

    Reviewed May 12, 2016

    I have had a credit card from HSBC about 12 yrs ago. I called to let them know I could not make payments due to I had surgery and couldn't work any longer. I was making small payments for awhile then had to stop. I could not afford it and I told them that. My card had a credit limit of like $300 on it. Now I get a restricted call saying that they will be issuing me a summons to court tomorrow. They will hand deliver it to me at my house. This is the first I heard of it and when I told them that the lady laughed and said, "Oh you didn't get anything?" "Hmm, that's funny," she said. "Oh well just give these people a call and they will help you out and explain why they are suing you."

    Well she said the card had a credit limit that went up to over $700 and now has accrued charges of 75% interest. My bill is now $2600.87! WOW!! What is wrong here??? I tried to talk to them but they didn't want to hear anything. She said, "Are you going to pay this or not?" and I said, "No, I can't." She laughed and said the summons will be delivered tomorrow by hand at my home... Time to get a lawyer on this. They have a lousy attitude. They think it is funny... I DON'T! I will NEVER use this bank again and will never give a good comment about them and never refer anyone to them. Can't wait to see my lawyer.

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    Reviewed March 20, 2016

    HSBC is terrible! We have had our credit card scammed twice and it has taken the bank 10 weeks to putting the first scam right. I am not looking forward to this next one. In the meantime we can't use the card because the limit is used by the fraudsters. Shocking service. Unsafe card. Don't touch them.

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    Customer Service

    Reviewed March 20, 2016

    My husband and I had HSBC credit cards for over 20 years. We paid all our bills each month and had accumulated 1000s of points (which transfer to various flight miles, savings bonds, etc.). OUT OF THE BLUE, our cards were canceled. We called customer service and tried to resolve the issue. They said we had "neglected to send appropriate information". BS. They have never requested any info from us. We had been customers for years and years. We tried calling, we wrote letters, we got no response. If you called, they said write. Our letter was returned... "no such address". We lost $1,000s with this unexplained action. We have never gotten any of our "bonus" money returned to us. What a complete ripoff. After all the years.

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    Customer Service

    Reviewed Jan. 22, 2016

    Tried to make a payment using credit card online. Got as far as the one-time password, no password forthcoming. Tried 3 times. Called the HSBC folks who blamed the telco!! Bunch of amateurs.

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    Staff

    Reviewed Dec. 8, 2015

    As a new "premier" customer, they gave me a new credit card and said that I'd get $250 cash back or $400 in airline tickets if I spend more than $2,500 in the first three months. I spent the required amount, but they refuse to give me the bonus (in cash or airline ticket). I spent my $2,500 during the three months after I had received the card in the mail, but they say that I needed to have spent the $2,500 during the three months that began immediately after I signed up for the card at the HSBC branch. It took ten days for the card to arrive to me in the mail. How did they expect me to start spending when I hadn't received the card yet?

    This is a small matter, but it makes me distrust anything/everything that HSBC says. I will soon be taking all of my money out of my HSBC bank accounts and I'll never have another banking relationship with them again. HSBC made a big deal when I started with them that I have a "premier relationship" and a dedicated Premier Relationship Manager at the branch. This person couldn't intervene in the dispute and get it resolved. Therefore, I suggest that the "premier relationship" is a bunch of garbage. My advice to anybody that reads this: stay away from HSBC, and don't believe any offers or come-ons they propose.

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    Customer ServiceStaff

    Reviewed Dec. 7, 2015

    I'm having an experience now with my HSBC Classic MasterCard, it was really alarming. On May 05, 2015, I was already home with my family then suddenly I received a message on my mobile that there is a Cash Advance made around 11pm in the evening. So I quickly checked my credit card and surprisingly it is in my possession. I was shocked because no one knows my Cash Advance pin, even my wife. So what I did is I immediately called the customer service but it was unavailable. So the next day, I called. As I spoke to one of the customer service and told her about the situation last night, she checked and said, there was attempted cash advance but it did not happen.

    I want to be sure so I called them the next day and inquired then when they checked, the cash advance transaction was there with the amount!!! I immediately asked them to cancel my card and request for a new one and then I also did file for a dispute. After some time, I did receive the new credit card but I did not activated it anymore since I have not received the result of the dispute. After some months for a filed dispute, I get the results and it was valid means I have to pay that transaction.

    It was hard for me because I did not make any transaction like that and so I did make an extra effort. I went to the place where the transaction happen and asked for the guards where is the physical office of the ATM machine. I went to bank's office (not an HSBC ATM machine but it is where they made the cash advance). I did talked to the bank manager and asked for screen capture or CCTV footage and she told me that HSBC should be the one making the investigation. So I was hopeless, so I went to nearest police station to file a police report but the police said that I should ask the bank (owner of ATM machine) for CCTV footage or some actual records.

    So I did went to the bank but the manager said there is no CCTV on that area, and she just advice me to contact the Bangko Sentral ng Pilipinas Consumer Affairs. On the same day, I did asked assistance to the Bangko Sentral ng Pilipinas consumer department but only they can do is to forward my concern to HSBC. Now I do not know what to do anymore and I do not want to pay the transaction that I did not make. If anybody could give some advice with regards to this matter and it would be very much appreciated.

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    Customer Service

    Reviewed Nov. 13, 2015

    Stay away from HSBC. We are Premier members. You need a minimum of 100,000 in your bank account. We constantly get our card blocked due to the fraud department claiming suspicious activity. It was a pain to call but we did it. Finally after the 10 or 12 time, we reached our end. I called them to tell them that I am traveling so please do not put my card on hold. They said they would put a note that I am traveling. The second I leave the state, I get a call from the Fraud department about suspicious activity. It was still pending. I told them it is all legitimate. They said fine. I try and buy something and it doesn't work. Turns out they put a hold on the card? The last thing a consumer needs to worry about is if their card is working when they travel. That was it. When I get back, I am paying off my credit card and removing all accounts associated with it. There is a reason why HSBC doesn't thrive in America.

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    Customer Service

    Reviewed Sept. 30, 2015

    Talk to 4 people and denied the proper rewards promised when open the account. Hours on the phone w/ customer service, bad connection, bad approach and no solution! Call again and again. The worst credit card customer service!

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    Customer ServicePriceStaff

    Reviewed June 29, 2015

    I have been working overseas for some time now and this is the second time HSBC has blocked my UK account as they say I had mail returned that was delivered to my UK address or so they say. The account was frozen and I only find out when I try to transfer money to pay off my credit card. So now they are winning with interest and charges as I can't pay the card! So I email them via online banking confirming my address, etc. and the account is still frozen as they say I must call them. Now this being the second time they have done this I didn't want to waste time and money on international calls. So I confirm all info via email again. 4 months later still no account access, and interest and charges being added to said credit card.

    Upon asking for a direct number and email of a manager in UK they unlocked the account still refusing to refund charges and interest. Credit score now shot and interest and charges mounting up. It's criminal what these people do. I've had accounts for 20 years now in different countries, never ever missed a payment and I've even worked for them for 5 years when I actually thought they were a decent bank. They have gone way downhill. Accounts pending closure in UK. Never again with those muppets.

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    Customer ServiceStaff

    Reviewed March 7, 2015

    I have had an HSBC MasterCard for years. During this time, my card gets periodically blocked because of some "suspicious" charge, which may be as arbitrary as buying gas in a different state from which I live. I am never notified in advance; on several business trips my card has been blocked without warning. Unblocking it requires calling their "fraud department", which is basically a call center in India. This is without a doubt the worst company I have ever dealt with.

    Their "customer service" representatives barely speak English, are rude and completely unhelpful. In each instance, unblocking my card has taken hours on the phone with multiple people. If you can't tell them the exact date and year when you opened your account, they tell you that they can't proceed with the call. As if anyone has that information. Each person I talk to seems to have a different set of requirements. HSBC is a perfect example of a company that has grown too big for its own good. I just applied for a new credit card with a different bank, and am looking forward to canceling this one.

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    Reviewed Jan. 30, 2015

    In 2006 I was offered a credit card with a $200 line of credit, but by the time they took out all the fees it left me with a balance of $59.00 to spend. I made the 1st payment and my balance was still the same. This has been 9 years ago and they have passed it from collection agency to collection agency. Now they say that I owe $595.00. I can't get in touch with them to clear this up. So they keep passing it on to another collection company and keep adding to a $200 balance. In another year I will probably owe more.

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    Customer ServicePrice

    Reviewed Nov. 13, 2014

    HSBC new credit card with 8 months zero percent balance transfer from another credit card. Did not happen and after 5 very long phone calls was eventually told that I had not made such an application! Dishonest organization, do not deal with this company. I am still waiting but hold little hope. Incurred high fees and charges from my original credit company as a result of trusting HSBC. Avoid or cancel your card now.

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    Reviewed Oct. 2, 2014

    For more than 3 months I updated my contact information because I traveled away from my country (Egypt). Now I had a dispute with my credit card and every time I contact them they had no idea about my new address. Also they didn't send me a new credit card, and they overall not willing to solve my dispute because no one over the 3 months tell me what is going on with my dispute.

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    Customer Service

    Reviewed Sept. 29, 2014

    Somebody used my credit card to make online payments to a Dubai government site for AED 2925 at 0215 am, though physically the credit card was in my possession. I went to HSBC for statement so that I could register the complaint in police station. To my surprise HSBC customer service said that they do not have the statement, as it can be generated only after the billing date. I visited the bank again, as the police refused to register the complaint without bank statement. I again had to come back from bank without the statement.

    The bank dispute forum refused to investigate the matter without police complaint number. Finally I could manage the police complaint. I mailed the complaint number to HSBC dispute forum. To my surprise and anguish, no response. And at the same time they have added the amount to my credit statement. There is nobody with whom you can have a chat about dispute, it's only IVR customer service who have no clue what is going on.

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    Verified purchase
    Price

    Reviewed Sept. 16, 2014

    I purchased a Macbook back in November 2012 for $1,100 from Best Buy using their credit card because of the no-interest for 18 months. I paid down my balance every month without any problems and by December on 2013 I had a balance of $200 which I had initiated a payment towards. In December however I also made a purchase of an air purifier for $250. Little did I know that because my new purchase was not on "promotion" my $200 payment went toward that first and not toward the payment on the computer. At this point I set up automatic payments and I did the math and figured my Air purifier would be paid off around September.

    Checking in however in May I was slapped with a $300 accrued interest payment against the remaining balance on my Macbook. To add to the confusion with this whole ordeal the bank handling the debt was changed at some point to Citibank and simply getting statements was a hassle. Trying to fight this with them was a waste of breath and in the end I was forced to pay this ridiculous interest charge. Their claim was that I had not paid the $1,100 for the Macbook in the 18 months they gave me; however, I according to my statements I had paid them a total $1,200 in payments by the time they charged me this exorbitant amount of interest. It honestly feels like extortion and shady lending practices. If anyone knows of any legal actions I can take I would greatly appreciated it.

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    Customer Service

    Reviewed Aug. 13, 2014

    HSBC (credit card) probably has the worst service ever. They're like living in year 1920. Try to make a phone call to HSBC. You'll be like entering a labyrinth. It's so confusing. I don't know why people still using them as their choice. My message is please do not use their service.

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    Customer ServiceOnline & AppStaff

    Reviewed Aug. 8, 2014

    I Repeat...The HSBC Holdings Credit Card Services Has Now Been Deteriorating For Quite Some Time! I had filed a dispute around June 25th, 2014 for around $50.00 in U.S. Funds because the merchandise that I had bought at the airport in Buenos Aires, Argentina was NOT packed properly and/or broken and up to this date, I have yet to receive a proper response, nor an outcome from their Disputes Department for the Premier Credit Card Customers! Furthermore, when I called up their customer service phone number today, they had NO information available like usual and keep on referring me to the Disputes Department where I had initially filed my complaint in the first place!

    However, today, being Friday, August, 8, 2014 at around 9:30 AM, when I called up their Customer Service Department and was then verified and Transferred over to Their Disputes Department, their male representative out in Delaware was NOT doing his job properly and he took a very long time to find my dispute and when he claimed to have found the dispute, he then went on and on about some charge made out a Restaurant and I told him that that was NOT the right one that I was talking about when I insisted that My Dispute was the Only One Charge That I Had Made Out At The Buenos Aires Airport Back On And/Or Around June 23rd 2014 and I had made that clear at the very beginning of the conversation.

    Furthermore, when he supposedly found the correct charge, he then kept on nagging me about Repeating Myself about What My Dispute Was About, even though I had already provided that information weeks ago. My response to him was that Nothing has changed since I had filed that dispute, however, he had made ME very angry and upset over the games that he was playing, along with the amount of time that was wasted over the phone and so I just hung up on him.

    Furthermore, I tried very hard to file a complaint over their website and they have purposely and deliberately either Removed their Online Contact Us Form and//or never had one in the first place because they do not wish to be contacted by their customers. There is also no corporate phone number to call in order to speak with somebody from their executive office, nor do they accept phone calls any longer.

    To further inform you, they do not provide any email addresses or fax numbers to contact them so you are basically screwed over big time! Your only recourse of action is to either send them a letter through the United States Postal Service or sue them In court! At this point, I will consider looking for another credit card company or suing them if I have to because I do not know if my simple dispute for a very small amount of money will ever be resolved! HSBC Sucks and if anybody contacts me about them, I will give you my email and facebook and then I can tell you the truth about them.

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    Customer ServicePunctuality & Speed

    Reviewed June 11, 2014

    Before I leave for vacation, I called HSBC to tell them I would be in Vacation in France, Italy for 15 days and they add a note on my card for avoid blocking. But unfortunately in 15 days, they blocked my card 4 times. My first day in Paris, I need to run on HSBC in Champs Elysee to call them and the fraud people say they see my note but they block the card anyway. I ask them on the phone to not block since I am in France, they say all right. They block the card anyway on time after on purchase for $12 in store, and it was on weekend so I need to find the way to call them. They say in 2 minutes, my card will work but they didn't unlock and need to call them again the next day and they say they forget to reset the card, then they block the card after hotel charge again.

    I was upset, they are ridiculous and they have note saying I was in Europe but they push me to run everywhere on vacation to unlock my card. Also on the phone they ask me if I am really in France because they believe someone used my card in France. I say yes it's me and I was upset after they block my card for $12, they do that 4 times, it was very abusive. I feel like they do that on purpose, very bad, stay way from them when travel, they are going to block your card like game.

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    Verified purchase
    Customer ServiceSales & MarketingOnline & App

    Reviewed May 14, 2014

    "Premier" Credit Card and JUSTFLOWERS.COM - I ordered flower delivery online from this horrible vendor for the past Valentine's Day using a "guaranteed service" as per the advertisement so paid a premium amount of $184.97. However, I received an email at around 7pm that day informing me that the delivery was postponed to the following day. I tried calling the merchant several times to cancel but was kept on hold on the phone for more than half an hour. I sent emails using their website but got no response. I then contacted my bank, providing all the written communication but after 3 months of snail mail exchange, I finally got the final notice saying they cannot do anything to resolve the dispute, meaning I have to pay the charge. I do not think anyone should carry such a "Premier" card in their wallet.

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    Price

    Reviewed April 24, 2014

    Purchased items on Best Buy program approximately $1,600.00. Credit line was $3,000.00. Terms 36months, no interest. Defaulted on payment, turned over to collection agency. This agency contacted me and I made payments in excess of amount charged. They want the whole credit line of $3,000, not what I charged. They have sold the note to another collection agency Sentry Credit Inc. out of Washington, 800-608-2581 (acct. **) and they are still trying to collect and adding interest to account. Wanting to know if this is legal. Did not charge $3,000.00 and interest is still being charged each month not paid.

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    Reviewed March 13, 2014

    MANY years ago after filing bankruptcy, I obtained a credit card through Orchard Bank. As the economy failed, I lost my job and fell behind on payments. This is a card that had a $300 credit limit and I am contacted by a law firm today that stated they were suing me for $3,000!?!?! How can that not be highly illegal? I would discourage ANYONE from doing business with this company.

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    Reviewed Jan. 5, 2014

    I was on vacation in Rome and just checking into the hotel Mercure. My wallet got stolen from my bag in the reception area which had my credit card, egate card, ID card plus other cards. As soon as I realized my wallet is missing, I told the receptionist and started dialing HSBC to report the loss. At the same time I got an SMS that someone has used my card and I immediately ran down to the reception and checked where was this shop. Apparently it was just around the corner and we confronted the robber and the shop as to how they accepted the card with wrong signature.

    In the meanwhile I immediately called HSBC and reported the loss. The police caught the robber. Now HSBC does not want to refund the money citing that the transaction was authorized and the card was active. My question is that by the time a card is stolen and we immediately calling the bank, obviously the card will be active. Secondly why the bank did not put a stop to the transaction immediately. So what is the point of signing the card at the back, if there is no value for the authorized signature. Why did the bank not reject the transaction based on the wrong signature?

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Dec. 30, 2013

    When HSBC agent called me for offering signature card, they have clear mention saying "First Year Primary Member card fee" would not be applied. And they keep saying about the offers which would never happen. When first bill generated, I will fee charge and taxes. When I call customers support team, they are clueless. There is huge communication issue with HSBC team from day one. Do not trust HSBC at all. It is the worst bank and waste of time. I have to spend good quality time to explain my case to multiple customer agents to cancel my card. It is such a waste of time.

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    Customer ServiceReliability

    Reviewed Oct. 9, 2013

    I am so furious at this moment. I have spent hours waiting on the phone in the last two weeks. I asked that my card be on a temporary hold as I couldn't find it. Person said, "Ok, call back if you find it." I came home & found it. Next call, c/s said they cannot remove hold, I need a new card. Call again. Well the account was never closed & was told I would receive another card, same number because I had cut mine up. Got the card, tried to activate, was told I don't need to activate. Try to use card - will not work. Next call, told it was activated. Who the hell are these morons in customer service? I have wasted my precious time holding & holding and getting INCORRECT advice each time. I'm exhausted and FYI, I have been on this call for 59 min 22 sec. Next c/s gal named Apple said, "No, this account is closed." So now I have to wait for another new card to come in the mail. 3-5 days, they will not even overnight it. Advice: HSBC's customer service sucks, is unreliable and don't do it. Go to another bank for a credit card, which is what I will be doing.

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    Customer ServiceContract & TermsPriceStaff

    Reviewed July 26, 2013

    I get a letter from HSBC about 2 weeks ago telling me that they will be raising my interest rate at the end of August because they claim they pulled my credit score and it was low and therefore they had the right based in the credit agreement to do so. So I pull my score from all three agencies because the score they claimed they were given was significantly lower than usual. Of course! The score they gave me was 200 or more points lower than what they claimed my score was from all 3 agencies!

    So I call them to inquire where they got their information and scores and they proceed to put me on hold 3 times to pull a story together. When the woman comes back to the line she claims that the increase is in fact due to their own business decisions and not my credit. How can you bully people and tell them you are raising interest because of their credit in writing but then tell them it's not that at all when they call to inquire. How can I report them for misinformation?

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    Customer ServiceStaff

    Reviewed July 17, 2013

    If you are given the opportunity to create an account of any kind with HSBC-RUN! I have been a customer since the 80's and I cannot believe what has happened to this credit card company - To even put a "customer service" number on their card or website is a joke. I have just spent - and I am NOT making this up - over fifteen hours in a five day period trying to regain online access to my account - it seems that Capital One has taken over - and for good reason, the credit care portion of HSBC but HSBC - being the uninformed idiots that they are - cannot find where my account went. One group keeps telling me that Cap 1 has it and another tells me that HSBC still owns my account - Plus, there was a fraudulent charge on my account and they said they would reverse the charge as it was proven to be fraudulent but now they have again have it as pending which begs the question -WHAT IS GOING ON WITH THESE PEOPLE!

    I HAVE THE RIGHT TO ACCESS MY ACCOUNT-I have the right to think that I, as a CUSTOMER in the most excellent standing - could get one stupid thing done correctly but these morons cannot do anything - I wish I had an agency to report them as I think this has to be illegal or something!I Sorry for the capitals letters but i just spent two hours and a tour around the world again on the phone and nothing has been resolved - stay away from this company - if you have a credit card with them and ever need customer support - good luck.

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    Price

    Reviewed June 22, 2013

    HSBC is a predator institution that's sole goal is to rip off American consumers, especially the middle class. The lending agenda includes incredibly high interest rates, failure to provide a detailed datasheet on an account and they have a non-functioning problematic website that does not work. All this is designed to ruin customer credit and make it so they can never pay off a loan. Congress should have made these actions illegal but so far, have done nothing. This organization needs to be brought down and their CEO locked up.

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    Punctuality & Speed

    Reviewed June 8, 2013

    I have gotten the runaround from the operator, requested a supervisor hoping someone could take me through all of the mysterious charges and late fees and etc. I was put on hold for 47 minutes before hanging up because my battery was low. I had an issue several months ago and thought it was resolved. Imagine my surprise when I find out how deep the muck is with this company!

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    Customer ServiceContract & TermsPriceStaff

    Reviewed June 8, 2013

    In 2005, I made the mistake of opening a credit card account ($6000 limit) with HSBC. I knew nothing about them and assumed that they would operate like most banks in the US. Little did I and others know what a pathetically dishonest and sleazy company this is. The first problem I had was in mid-2006, when I attempted to do a $1500 balance transfer for a 0% promotional rate. I paid a fee for this service, but guess what? The APR on the transferred balance NEVER went down to the promotional rate. When I tried to contact HSBC about this by mail (since their outsourced phone reps in India are useless), they ignored my letters and nothing was ever resolved.

    Unfortunately, that was just the beginning, things got much worse. In mid-2007, I received a letter from HSBC saying that the APR on my account would be raised from about 14.5% to effectively a penalty rate of 29%. No reason was given for this increase, and no opt-out instructions were given to me about closing the account under the existing terms, which I had the right to do. They did say in the letter that the rate would go back down to the "normal" level if I paid on time and stayed within the credit limit for 6 billing cycles (I had never made a late payment and the only overlimits were caused by their finance charges). I tried to close the account but my letters to HSBC, which I can prove they received, were ignored. All I got was their standard form letter saying that they "were abiding by the terms of their contract, etc." - Useless BS.

    I did that for the 6 cycles, and guess what? The interest rate did NOT go down! When I protested, my letters were again ignored. At that point (2009), I should have gone to the attorney general, but thought they would eventually contact me. Wrong! They have ignored at least 5 certified letters from me; obviously they only care about squeezing as much interest as possible from consumers. In 2012, I finally went to the AG and the Consumer Financial Protection Board. They, at least, got HSBC to respond to my complaints, and it says a lot about HSBC that it took that kind of intervention to even get a response. However, their response was useless. HSBC claimed that they had given me an opportunity to opt out of the account (not true, and they have produced NO proof that they did) and that by the time they received my opt-out request (which they ignored anyhow) it was "too late." Meanwhile, the interest just goes on; by now in 2013, it likely amounts to about $4000 in interest overcharges.

    When I find the initial letter they sent about lowering the rate after 6 cycles, I'm going back to the AG and the CFPB. Hopefully then something can be done to stop this den of thieves. If not, the best that the new owner of this account (Capital One) is going to get from me is a settlement for far less than the remaining balance, and if that hurts my credit score, so be it. Given HSBC's long and disgusting record of consumer abuse, not to mention the money-laundering and banking services they've provided to terrorist organizations, both of which have gotten them in a lot of trouble with US regulators, I fail to see why HSBC's banking license has not been revoked long ago. But then again, the $3 billion civil fine they paid to settle this case appears to have bought them a lot of forgiveness from the government. This situation needs to change and this company needs to be driven out of the US permanently.

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    Staff

    Reviewed May 22, 2013

    In 2011, I had to buy two airplane tickets, one for myself and one for my husband to see my dying mother in India. Because of the uncertain nature of this trip, I had opted for the more expensive "open" ticket so that it could be changed with ease if the situation demands. After about ten days of my purchasing the tickets from an online agent (BookMyTrip.com), they decided to go ahead and change my ticket to the most restrictive and cheap ticket without changing the previous charges on my HSBC card or asking for our permission. After I tried briefly to deal with the agent who was non-cooperative, I filed a dispute with the card company and wanted them to cancel this charge.

    Well my experience in dealing with this card company quickly became a nightmare as they kept sending me notices that my documentation was not complete. I had faxed them repeatedly and then mailed them every possible piece of information that I had on this but could not change their stance. Being quite frustrated with this effort, I decided to cut my losses and go back to the agent for a refund of whatever I could recoup from close to $2,000.00 that I had to spend on these two tickets. Imagine my surprise when the agency notified me in writing that HSBC did cancel the tickets and charged it back to themselves while denying me the very thing that I was requesting them to do, and at the same time continued to bill me for the charge! I went to confirm this to the actual airlines and they did confirm it.

    If one is disgusted on this company after reading up to this point, please read on because there is more. Shortly after I found this out, I received a notice from Capital Card Services that they are now the owner of my account and the account balance is the same that I had on the HSBC. I had again sent the documents I had to Capital, this time thinking that they might be able to help me get rid of this illegal extortion attempt from a customer who had been nothing less than impeccable in their payment record. Capital had not even acknowledged my efforts (I do have their signed receipt of acceptance of my documents) and started this onslaught of billing every month.

    At this point, I had enough and stopped paying the minimum that I had continued so far. My mother passed away without me being able to see her because I could not afford to pay for another ticket and this one was non-existent because of the charge back by HSBC. I and my husband both lost our jobs during this time of the deepest recession in the US. My husband is back to school because he was not able to get a job. We continue to be hounded by both these card companies asking for the same money that we've never been able to use. We feel hopeless of receiving any justice at this point and cannot afford to hire an attorney to fight for us in court. We are shocked that this kind of injustice can happen in the so called first world and considering leaving this country for good.

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    Customer ServicePunctuality & Speed

    Reviewed March 1, 2013

    This credit card is a nightmare. I have to constantly call and have "late fees" removed. I not only pay more than the minimum but pay 20+ days in advance, which means I pay twice a month. I am getting charged a late fee because their computer system thinks it's for the same month. Now, I am being punished and they won't remove my late fees because of a computer system that sucks. The customer service is useless.

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    Reviewed Feb. 5, 2013

    I have recently filed a complaint on Best Buy Credit Card Company with the Consumer Financial Protection Bureau due to having an ongoing issue with a $43.99 dispute that was made at a location I was never at, another state should I say. I’m constantly getting a runaround with the operators, reopening my dispute case, and getting the same "unfortunately" letters saying my card was present, my card was not reported lost or stolen, and this transaction is consistent with other transactions. I was not home in California, the card was with me, and I don't buy Valero Gas. I have had no issues with this credit card company until now. A simple little transaction and this is how they treat a valued customer.

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    Reviewed Jan. 22, 2013

    I am an HSBC credit card holder. I have received the HSBC card in the month of October and the executive said I could avail of the EMI facility from day one. But when I purchased the Electronic product and applied for conversion into the EMI facility, the person from the call center told me I would get the EMI facility after 07th October 2012. Till that date, I have not received any confirmation from the HSBC credit card department. Now, I will take a legal action on bank and file a complaint.

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    Punctuality & SpeedStaff

    Reviewed Jan. 17, 2013

    I would like to share with you my disappointments about the service of HSBC. Beware on their "late deliveries" of billings that it might be loaded on you as your shortcomings. This is to express my disappointment on your service with regard to your allegation on my account as late payee. These happened twice, and I am now sending this to your management about your inaccurate findings on the loophole about your late courier in sending the bill. Last January 3, 2013 at about 7pm, I found a bill on our "open" mail pocket located at our ground floor.

    I hurriedly found that it is a late serving or delivery of your bill which happens to have a due on December 26, 2012! So I called up your credit department and informed about it. Actually, this was not the first time it happened but almost the 3rd time! There were recorded conversations on your system and it is yours to find out. The next day, I paid the balance right away. But I am expecting a fair judgment on this that I should not be liable on the late payment charge that they would bestow on me! I have 2 accounts with you and never had I had late payments! What I am after is to have a fair play on this.

    Why should I have to pay for something that is not my fault at all? I talked to our guard not to tolerate the entrance of your courier anymore because he is not honest in his reports with you. I hope you could further investigate again about your transmittal system. I am not using your card anymore because I am totally irked and ranting as of this time. I am decided to air this out in any form just to get the truth. Why do you have to pass the fault of your courier to your clients? Or are you after the charges too? I am decided to cut and never use your credit card anymore!

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    Customer ServicePrice

    Reviewed Dec. 12, 2012

    A few years ago, I settled my balance on my HSBC credit card via a telephone conversation. I received a document from HSBC showing a 0 balance and I closed the account. Then years later, I have a Sheriff at my door serving court papers stating HSBC had filed a lawsuit against me for an unpaid balance of $2000. My original credit limit was only $700 and I paid off my balance of $600. I have no idea where the $2000 came from that HSBC claimed I owe. Not only do they say I owe them money, they never sent me a bill for a past due balance after I paid them off nor did I receive any calls from a collection agency stating I owed them money.

    Years have passed since I originally paid them off and shame on me but I do not have anything in my records showing my claim that I paid them. After 2 years, I assumed the issue was settled. I would assume that if I owed them money, then they would have been trying to contact me or put it in collections before they took it to court. They screwed up on their end and didn't apply my payment properly and now I'm stuck owing them 2 grand plus court cost. Is there anything I can do?

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    PricePunctuality & Speed

    Reviewed Nov. 12, 2012

    I suggest everyone who visits this site never ever apply for Best Buy credit card. I made a huge mistake by applying for this ** credit card. I purchased a laptop in Best Buy with $500 using this card and ended up paying $1,000 with interest fees. They are no more than a thief and customer deceiver. If you are even one day late, they will charge you $35, no grace period and put it in your credit. Be very, very careful when you use Best Buy credit card. I have hell experiences with Best Buy credit card which is from HSBC. Be careful.

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    Customer ServiceSales & MarketingPrice

    Reviewed Nov. 4, 2012

    In mid-September, someone phoned to offer unsolicited credit counseling assistance to my wife. He asked her about our credit cards and our financial situation. The caller said based on our excellent credit, he could transfer our credit card balances (two cards with about $24,000) into a 5-year, zero-interest rate card with an upfront payment of $1,195. He said we would have to pay about $260 monthly and if we did not charge on this new card, it would be paid off in 5 years. My wife liked his brief pitch, but she had no written info from him. She told him much of our personal financial information during that brief phone conversation. When she tried to explain it to me, I said I didn't understand it so we made an appointment to meet our financial advisor first thing next week after our daughter's wedding.

    Several days later, we got a package in the mail from ** at Clear Light Financial Services, 9th Floor, 445 Park Ave, NYC 10022 (888-680-4895) with more details, an invoice for about $1,195, notice of a $1,195 charge to one of our credit cards and a request that my wife signed some paperwork. Then we met with our financial advisor who also called Clear Light about this offer. After talking with **, it became clear that the actual deal was not what was promised. Our financial advisor said it was not a good deal because of the upfront fee and the uncertainty of arranging the zero interest rate cards over the 5-year term. Apparently the zero interest rate was not guaranteed at all. Also it was not clear how the $260 monthly amount would pay off the balance over the 5 years (260x12x5 = $15,600). We told the verbose ** we were cancelling the deal. Later that day we quickly disputed the $1,100 charge. I stopped the attempted balance transfer. I think that we have avoided any direct charges from this fraudulent scam.

    Several days later, we got a Citibank letter advising of a credit card request from a third party, but their policy is not to issue the card without a direct request from us. Several days later, we got a new card from HSBC/Capitol One/GM! How would you answer your mother if she said she had fallen for this scam? Why does your bank play along, but Citibank chooses to verify its credit applications? What regulations do you support for finance consumer protection? I want your report on how your company failed to stop the bill pay transfer even after I had changed accounts solely and specifically to prevent that transaction. As you can see, I called MC on October 2 such that my old treasured account was changed. I had to jump through some hoops with other companies where I had used that account for payments and transfers. MC told me the account was changed. Then on October 17, your company effectuated a transfer suggesting that my old account balance was $0.00.

    I should hold your company to that entry as I did not authorize it. In fact I opposed it. Was the balance shown as $0.00 on October 3 soon after the new account was opened? Why would MC be complicit with this fraudulent scam? I got a note today from HSBC (dated 10-25-12) saying the account was closed, but the balance was $xxx566.90. Of course when I closed the account by phone previously there was no balance on the account. Also I was told on the phone that there was a cash advance fee (surely part of the difference from the MC payoff of $11,230 and the HSBC balance of $xxx66.90), which I disputed. ** from Clear Light Financial probably took that cash advance, unless it was a fee charged by HSBC for the privilege of permitting cash advances on this 0% for 12 months’ card!

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    Price

    Reviewed Nov. 1, 2012

    The balance on my credit card account was paid in full in August 2012 and the account was directed to be closed. However, the bank did not close the account and continued to charge fees, including a late fee on a $6.00 interest they said was still in the balance, despite getting a "payoff" amount in August that did not include it. They used that $6.00 amount to attempt to generate an additional $28.00 in late fees and additional interest. It was an incredibly sleazy practice which I'm sure is known about in the CEO's office. Predatory banking practice is what it's all about. Dirty **.

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    Contract & Terms

    Reviewed Sept. 1, 2012

    I went to pay off my "same as cash" balance only to learn that it was $201.00 more than what appeared on statement for that promotional program even though I exceeded to meet the terms of agreement. They claimed I had a credit protection plan on the account which I had not agreed to, and in fact turned down. I asked them to show me where I had agreed to that, but they could not provide me with anything. I had a witness present when I turned down the said promotion and anything else Best Buy asked if I wanted. This is a collusion between Best Buy and HSBC to dupe unsuspecting customers. I will never again purchase anything from Best Buy or finance anything from HSBC. I wonder why Best Buy is failing in business.

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    Customer ServicePrice

    Reviewed July 23, 2012

    My monthly charges were of two interest charges for well over $400. My consumer News Letter said that this Capital One branch, HSBC Bank Nevada N.A. owes their customers money. They sure charged me a lot of interest money. The only address that can match that I found is Card Services PO Box San Jose, CA. 95161. Their phone is 1-888-803-0276. My MC card number is ** with Exp. date **. I emailed them twice. They play dumb. They now want me to call them so they can beat around the bush.

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    Customer ServicePrice

    Reviewed July 7, 2012

    I wrote this letter because I feel mistreated by your institution. You've beaten around the bush about my complaints and show no interest to resolve my case. I filed my dispute complaint back in early June. I've been calling, writing, faxing and emailing numerous times to try to settle my complaint. And each time, you guys told me different things, such as the complaint must be in writing; it might take 7-10 days to resolve the dispute or the investigation is underway. At one point, one guy told me, it'll be settled and dispute charge would be cleared within 24 hours, and days after, it remained on my account, and I called again. The answer is back to square one: it's under investigation; it might take 1-2 billing cycles or beyond to settle. What is it? Are you guys doing anything at all?

    This is a very simple case. I ordered a plane ticket online via Cathay Pacific Airways website back in June 13, 2012. The first attempt failed due technical error as attached email sent and by Cathay that explained that. The second attempt, the fare charge went through without a hitch as shown on my credit card statement. I even called Cathay Airline to find out if they did charge me twice for the ticket I bought; the answer was no, and they only charged me once.

    Please understand that why would I buy plane ticket twice for the same flight under the same name with the same membership number? Is it too tough to figure out the error and would it be necessary to take months to resolve this case as all facts are straight forward and can be verified by just one phone call away to the vendor namely Cathay Pacific Airways! I'll be happy to do the investigation for you if you guys shy away from doing nothing.

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    Punctuality & Speed

    Reviewed May 11, 2012

    I've had a credit account with them for over 6 months. I've always made my payments on time (to them and all of my other creditors) but apparently, they do not value good customers if they decide to seek other credit. My account was closed because I have "opened too many new accounts" and they felt my utilization was too high even though it's lower now than when I opened the account. Very disappointed. I will pay off the remaining balance and never do business with them again.

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    Customer ServicePrice

    Reviewed May 10, 2012

    For months, I have been charged interest on cash advances which have not occurred. Numerous phone calls to the customer service number on the back of the credit card have not resulted in any explanation. On one occasion, I spoke to someone who identified herself as an accounts manager and stated the following, " I am unable to provide you with an answer now; I will check your credit history and call you tomorrow." The phone call to me was not made. I subsequently filed with HSBC the requisite consumer complaint forms, only to receive a form letter on three separate occasions to call the telephone number on the back of the credit card.

    P.S. I wonder if other cardholders are being charged interest for non-existent transactions.

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    Customer Service

    Reviewed April 30, 2012

    Payment’s on hold for 2 weeks. My MasterCard has a balance of $2200. I've had the card for under a month and I made a payment of $1900. It's been a week and it has not gone through. They told us that it has not hit their account and it's not in our bank anymore, so our money is in limbo. I do not recommend this card. Customer service is horrible. 1 to 10? A 2!

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    Customer ServicePriceStaff

    Reviewed April 25, 2012

    This bank is in the habit of sending customers false and misleading statements in order to make 100% profit. I am kindly asking that this bank be investigated for fraud. They get customers through Best Buy and would start with a small down payment, then they would suddenly raise their interest rate 100%, unknown to customers. I purchased a printer and a computer from Best Buy and had a small balance for them. Best Buy transferred my account to HSBC without my knowing who immediately approved it referring to me "as a good customer." I was shocked when the clerk told me this as I have an ongoing matter in court with them.

    This new account with HSBC, the amount was about $1,030. I was told to pay about $35 monthly which I did. Suddenly, they sent me a bill for over $5,000 requesting minimum payment of $944 per month. Then again in February 2012, it rose to $7,165.72. Last year, they claimed that I had owed them over $2,000 in interest for this account. I must state that nothing new was purchased by me since this account was established with them. I tried to make the payments in a timely manner even when I was away in New York for about 2 months when my late husband was critically ill in hospital.

    On my return, I immediately called them up about the statement which had a misleading amount. I have observed that they keep using the words purchases on the statement which I never did since the last purchase was made around 2010. About 2 months ago, I spoke to one of their agents who was trying to settle the account with me after I told him I did not owe that amount and it was under $1,000. I also referred to the other dispute I had with them and reiterated that I did not owe them the amount as stated. He said it was from interest accrued and offered me $2,000 to settle the account, then he dropped the cost to $1,700.

    I told him I was still dissatisfied as it should be under $1,000 based upon the payments made and asked him to call me back. I also had a conversation with him about two previous computers which were purchased at Best Buy some time ago which should really have been addressed to Best Buy and not HSBC. These were purchased in cash and did not last as long as expected. He told me to put my complaint in writing. To my surprise, (I believe) they have now added the cost of the computer(s) to this new account and have billed me for them. They referred to it as disputed purchases which were paid in full several years ago.

    What is really going on with this bank? I shall be grateful for an investigation into the operation of this bank which is not working in the best interests of the people of the United States of America and should not be allowed to operate here. Their goal is to squeeze the small man in order to make their profit. I think that a cap should be put on all credit card accounts. This bank's operation here is questionable - worse than a thief in the night Then, they are quick to report that person to the credit bureau if their demands are not met. I cannot take this any more and ask for an immediate investigation. Please check rate of interest charged by, for example, American Airlines Credit Union, which is charging a small percentage of interest with a small monthly payment, for a much higher amount as compared with HSBC. Respectively submitted for your information and/or action. Thank you.

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    Reviewed April 18, 2012

    I’m suffering from cancer and I asked HSBC to hold my payments for four months until I go back to work. My payments were up to date but now, I’m down to little to no money to pay this bill. After being a loyal credit card holder for more than ten years, now in my time of need until I get back on my feet, I get no help from them and I was also treated with disrespect by one of their worker, a Mr. **. I did report him to the complaint dept.

    I have cancer. I didn't ask for this but I got it. All I’m asking of them is to work with me until I go back to work so that I will be able to make my payments. Please, this will help me to have less stress with my cancer.

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    Customer ServiceStaff

    Reviewed April 16, 2012

    HSBC conducted a standard, spot security/fraud check on my Platinum MasterCard. An Indian customer service rep called me from the HSBC’s fraud department and insisted that I answer several security questions. His command of the English language was terrible and he was barely understandable. After answering all the questions (many of which the rep didn't even know how to properly ask or phrase), I was told I "failed" the security check. The rep implied I didn't know my own mother's maiden name, which is absolutely absurd.

    As a result, I was told I had to fax a copy of my driver's license and bank statement and/or utility bill to them to prove my identity. The faxes were sent to the authorized number. They then proceeded to tell me that one of the faxes turned out "too dark" to read and I had to fax again (despite fax confirmation of successful receipt). I also repeatedly signed in to my secure account online and sent them messages. Long story short, one week later and the Indian-staffed fraud department still has a security hold on my account. I have subsequently told them to close my account permanently and terminate my relationship with HSBC. Sheer incompetence every step along the way.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed April 13, 2012

    I charged a purchase at Best Buy on the HSBC Best Buy Card in January 2012. I received my first notice of payment from HSBC for remittance of charges the end of Mar 2012 after the date due on the bill, incurring late fees and interest charges. I have disputed this matter with HSBC along with payment for the original charges and in reply, was sent a form letter denying a request to remove the extra charges. In response to that denial, I have sent them another letter expressing my extreme dissatisfaction with their decision, including a check for the disputed amount to clear the account in addition to instructing them to immediately close the account. I have also destroyed the card.

    I realize that this is an HSBC matter to resolve but reflects badly on Best Buy since opening such accounts with HSBC with a Best Buy card is actively promoted by Best Buy staff. You should be aware that linking with a company that either neglects to send timely bills or disingenuously sends them late so extra charges are incurred without rectifying the matter when it is brought to their attention leads to dissatisfied (and in this case rather angry) Best Buy customers who have other options for purchase both in terms shopping for electronics and/or the use of their sponsored credit cards.

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    Punctuality & Speed

    Reviewed April 13, 2012

    Why does GM continue to do business with HSBC after "bailout"? HSBC continues to practice the same predatory, greedy and selfish behavior that got the country and by extension GM in trouble a few years back. I supported the assistance to GM, because they were down through some fault of their own, some not, but did not support them going out of business or kicking them when they are down.

    HSBC doesn’t subscribe to this philosophy. They raised my rate to 31.99% even though I had no negative actions whatsoever to them or any other debtor, ever. I had high balances because I went back to school, but made all payments on time to everyone.

    Instead of raising the rate on new purchases only, which sends a message to get things in order but still allow one the means to stay above water which makes sense, they raised it on existing balances and never gave me a reason why and never to this day lowered them or gave me an option to restructure and pay off at regular intervals and a sane rate. So it seems HSBC and GM has learned nothing from the past. It also makes me have no sympathy for GM should they wind up in a similar situation in the future and makes it much less likely that I would consider purchasing a GM car in the future. Unless, someone can give me a valid explanation for past and current behavior and business partners GM chooses.

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    Staff

    Reviewed April 6, 2012

    I submitted a payment over the phone to pay my HSBC account in full and gave them my new checking account information to take the payment from. I was instead charged out of my old bank account where I was closing, so I don't have a lot of money in that account. I was charged overdraft fees. When I first called HSBC, all I needed was proof where I was charged from the wrong account and they listened to the tapes. I sent that information over and now they keep stalling on refunding my $74.00 in fees because they are now asking for a 30-day unaltered bank statement after I have already sent over proof of where I was charged from the wrong account and the fees I was charged. Why did one person say one thing and now it's something else? This has been going on over a month! All I want is the make up for their mistake and I am refunded of the charge that I had to incur!

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    Customer ServicePrice

    Reviewed April 4, 2012

    In the last two-three years onwards, the money which I'm paying is not credited towards the principal and the amount has been applied only to the interest. Now, I'm a kidney failure patient, and I find it difficult to pay this much of interest. I need more than Rs 15000 only for the monthly medicine. So it will be a great thing, if the bank could reduce the amount without interest and adjust the EMI in a convenient rate so that it will be a great relief for me. I expect a very positive reply from the bank, and I humbly request you to kindly consider my health condition and do the needful at the earliest.

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    Customer ServicePrice

    Reviewed March 25, 2012

    On March 19th, 2012, I paid my Best Buy HSBC balance off. The funds cleared my checking account on March the 19th. On Sunday March the 25th, I went to my local Best Buy to purchase a computer on their 18 months same as cash promotion.

    When I tried to pay with my Best Buy HSBC account, they denied it due to a lack of available credit. When I called, they told me that large payments to my account take a long time to post. I explained to them that I was trying to make a purchase and they asked me to fax a copy of my bank statement. I refused to do this as they already had my payment.

    I do not understand how HSBC is allowed to float my payment. I think they may also be trying to charge me additional interest as March is the month that my total payment was due before additional interest was due. I have since closed my HSBC account and will not do business with them again.

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    Customer ServicePunctuality & Speed

    Reviewed March 22, 2012

    HSBC credit card is the worst card ever. You will spend more time calling them to unlock your card then you will actually be using it. They block my card every other week and have left me stranded on my travels despite clear instructions not to do so. Some reasons for blocking include: Suspected fraud - the situation was I was shopping late at night online from a well respected UK DYI store and I already informed them that I am decorating and hence will be charging several expenses in the card. Note that my payment went through on the PIN verification which they later stopped. So what is the purpose of the PIN verification on secure code?

    Second, I have not paid my minimum balance. I should be free to pay my balance when I choose and so long as I have not reached my spend limit, feel free to charge me a penalty for late payment but this is no reason to stop my card every other week. Despite this, they continue to increase my credit limit without my consent. They then have their call centers call you which is the worst thing ever. They are so repetitive and eat your head. They keep repeating every sentence in different formats like 3-4 times and constantly start each sentence with your name. Oh my God. I know what my name is and I am not deaf that you have to repeat every point a million times. How inefficient and incompetent are you?

    First, they inconvenience you unnecessarily then get a numpty to call you. Talk about adding insult to injury! I have now banned them from calling me but they still do. Add to this, their help desk is not 24 hours so if you are abroad and get stranded, may God help you! Avoid HSBC credit card! Service is terrible and penalty costs are exorbitant.

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    Customer Service

    Reviewed March 9, 2012

    HSBC claims that as part of their switch over to a new bank (Capital One?), they had to issue a new card and a new account number. I never activated this card or knew about a new account as my card was not expired. My balance constantly showed up as $0.00. I recently received a letter indicating that my account was in delinquency. Even while I was on the phone with HSBC trying to close the account and pay any charges that were on it, but not showing up, it still showed as $0.00 and didn't give me any way to even pay. I took a screenshot of this.

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    Customer ServicePunctuality & Speed

    Reviewed March 6, 2012

    Awful experience - They applied payments late to my account and were unwilling to adjust them despite multiple phone calls and dispute letters. The payments were made directly by ING to HSBC. The payments that were applied late just happened to be the last three payments in a 3-year period to avoid finance charges and had been consistently applied on time for the 3 years. Despite evidence from ING that the payments were sent on time, HSBC managers were unwilling to credit the finance charges on the account. To add insult to injury, the collections department calls 6 times a day, do not leave messages and have no caller ID. They will never have another dime of business from me.

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    PricePunctuality & Speed

    Reviewed March 5, 2012

    I have been a GM Card customer (HSBC) for several years. I don't like writing checks out monthly, so I opt for electronic payments whenever possible. When I enrolled into the only payments program for my GM Flex card, they forced me to choose a time period duration for online payments. None of my other credit cards or utility companies makes me stipulate the duration of electronic payments, they just continue until I cancel them. I chose the longest possible duration of one year. Of course, I haven't kept track of the time and the money has just been withdrawn on my account on schedule. I haven't been keeping tabs on it.

    However, I received a letter from HSBC that my payment was past 30 days late. Apparently, my enrollment in the online payment program expired and they did not send me an online warning or notice of that fact. As a result, they increased my interest rate to 30%! Also, my credit now reflects a late payment. I feel that GM intentionally set me up so this would happen. At the very least, they did not protect me, my credit, and my money responsibly. Beware!

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    Customer ServiceStaff

    Reviewed March 2, 2012

    I got a cell phone call from a thing called 29 Prime Services, making the statement they worked directly with Google and could move my website to #1 page #1 listing, if they made another website and maintained it. There is another company that has been #1 on the first page for ever and I had always wanted to know how they did it. I asked their rep or hustler ever what you want to call him and he said we can knock him off and put your company there. Well, I am not too smart when it comes to websites and also stupid to have believed them. The cost was $258.00 to make the website and $159.00 a month to maintain it and to me that would have been a bargain. So, stupid as I was, I gave them my GM card # and they were to build the website, email it to me to approve, make changes or etc. They charged my card $258.00, never saw a website. They charged the next month $159.00 for maintaining something they never built in the first place.

    I disputed the charges with HSBC. I got someone in India then Philippines, then another and another. They asked for documentation that all I had was a phone conversation, not documents. So they said I would have to pay the charges no matter what and I asked them to at least show me a website they had made for my company, that they were supposed to be maintaining and they could not. But it made no difference to HSBC, I will not pay them the money $417.00. They say I owe to this 29 Services, sometimes it shows up as 29 Prime. I have a zero balance with them other than the $417.00 they say I owe and I will dispute this until I die, as I will not pay something like this 29 something, as they are scammers. But again, stay away from HSBC. They probably are part of it and I have 5 GM cars and trucks, they will all be sold and I will buy Ford and I am sure this is not going to hurt them at all, as no one can stop them. But I will never pay for someone that has stolen money from me and that is my final word on this subject.

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    Punctuality & Speed

    Reviewed Feb. 28, 2012

    I was deployed to Iraq from November of 2010 to November 2011. Prior to me leaving, I sent out the necessary forms to all my credit accounts advising them of this. During this time period HSBC, with whom I have 2 accounts with, tagged my credit with four 30-day late marks on my credit. One was in like June and 3 consecutive from August thru October. Now, I understand that you have an obligation to pay your debts. What I don't understand is that I have tried to reason with them to remove these marks from my credit. Explaining the situation to them has done nothing. I have tried 3 times to rationalize this with them. They told me it's the point "that I didn't pay them" and it's out of their control. If they wanted to help, they couldn't. I have great payment history on these accounts besides the obvious. The minimum payment due during this time was $2 a month. Now, I am trying to purchase a home and can't because of this.

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    Customer ServiceContract & TermsCoveragePunctuality & SpeedStaff

    Reviewed Feb. 7, 2012

    I was offered credit protection in 2009 when I bought washer and dryer. I was told verbally that it would pay off my balance on purchases if stolen or destroyed. I have paid this fee on all my purchases, although I don’t remember asking for it on all purchases. When I called because my daughter’s laptop got wet the agent told me that wasn’t covered. The one thing that it didn’t cover. I requested a copy of the coverage by email or look up myself on web. He told me that it wasn’t available and they would send me a copy in 5 weeks. That is a ridiculously long time to wait. I also requested a copy of signature that spelled out terms specifically and he said that would have to be looked up and could take even longer. I have paid hundreds for this coverage and was mislead. Roadblocks are thrown in way of resolving. Communication is limited to outsourced agents that can do nothing and will not refer higher. I would like them to pay off my daughter’s laptop or give me proof that I was aware of this limit to coverage as well as signature of coverage on this specific purchase.

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    Punctuality & Speed

    Reviewed Dec. 31, 2011

    Opened a Best Buy card. Statement was sent on 12/5/2011. HSBC gave me 23 days to make payment. Because it was Christmas, my statement was delivered late. I returned a check of the full amount of the statement balance. HSBC says they did not receive my $290.23 by 12/28/2011. HSBC does not allow due diligence to complete a payment (especially during a nation holiday month).

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    Customer ServicePunctuality & Speed

    Reviewed Nov. 20, 2011

    I had a credit card from HSBC Bank and when I had an emergency, I was about 2 weeks late with my payment. I let them know I will be late and then set a date to pay. Even though I made an arrangement, they still called me up to 10 times a day. I would tell them to look at the notes stating that I already spoke with someone, but they continued to call until I got fed up and closed the account.

    They now call me from about 8 am till about 9 pm and it is ridiculous. I told them I am going to file a harassment claim and that made them stop for about a week, but now they are calling again. They called me this morning at 8:15 on a Sunday, I was asleep. I said there are notes in the account, she said there are no notes and then she hung up on me.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Nov. 14, 2011

    I have been very happy with my Best Buy Reward Zone Mastercard, especially the $59 annual fee that HSBC waives for me annually. Thus far I have had wonderful service. I use this card for everything including gas, groceries, and some bills (really, I can't resist the points). Recently, I decided to use this card for Christmas. I made one gigantic payment that put me to a negative balance, and charged away. This payment went through fine. If I went over budget, I made smaller payments to compensate for the over budget amount. Then, I made a payment and went to check my available balance a couple of days later, and realized that my available balance wasn't what it should be. I checked my pending payments and noted that there was a payment hold. Thank goodness I monitor my account.

    I contacted customer service twice. Once it was by email where I was told that once the payment cleared the bank, the hold would be released. I asked why suddenly? He said there must have some issue with the system. So, I was okay with that. My payment cleared the bank, and my funds are still not released. I called then to customer service, where I was told that this was probably random. So, I made another payment, and it is on hold too. I keep being told that they are just suddenly after several years holding my payments. I have emailed demanding to know why. I have been a good customer for several years. I have never been over limit, never made a late payment, never bounced a check, etc. I guess I will just start using Capital One.

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    Price

    Reviewed Nov. 8, 2011

    I purchased a TV, TV stand, and surround sound system on 8/27/08 under their 36 months, same as cash. I paid it off on 9/24/11. I thought the 1st payment period should have been 8/27/08 through 9/27/08. And the last payment period should have been 8/27/11 through 9/27/11. They sent me a bill on 9/18/11. It said that in order to avoid paying interest, I should pay $303.01 by 9/13/11, which was five days after it was due. I received the invoice on 9/22/11 and immediately sent the $303.01. The next invoice I received had $1700 interest added. I wrote them to say I had paid my purchases off within the 36-month time period, and I felt I shouldn't owe any interest.

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    Customer Service

    Reviewed Oct. 28, 2011

    First of all, they deserve 10 stars in the negative! My husband and I had a child recently, and he lost his job of 13 years right when I found out I was pregnant, and I haven't worked in almost a year as I had medical issues. So as a result, we got behind on some bills. HSBC rewards card through Best Buy has a bill saying there should be $47 minimum payment by November 4th, 2011. So to get to the point, we have received over 50 calls in 30 days from card services trying to get the payment! $47! Over 50 calls in 30 days! I have spoken to one of the callers and let them know we were planning on paying that by November 4th, yet since then we have received 24 calls in 15 days!

    I called to try to stop these calls and was treated like I was an idiot, and was told they would stop the calls for a "couple of days" even though once again, I told them we would be paying the first week of November when he gets his (my husband's) check. There has been no bad language or threats, but I still consider this harassment. Do not ever get an HSBC account in any way, shape, or form, or you will regret it! We owe $47, and got over 50 calls in 30 days. I can't imagine what would happen if we owed more. Please take my warning or you will regret it like we do! I am cancelling our cards ASAP!

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    Contract & TermsPrice

    Reviewed Sept. 22, 2011

    My husband and I purchased a new Polaris Ranger. The motorsports company we purchased from uses HSBC Polaris StarCard as their credit company. The terms were $357/month at 3.99% for 36 months.

    On 7/23/11, we purchased $791.77 worth of accessories for the Ranger. That's a standard purchase, so it's 21.99%. On 7/28/11 (5 days after the purchase), I paid $791.77 to HSBC for the purchase. And on 8/10/11 (which was the due date), I paid my regular $357 minimum payment.

    HSBC charged me interest, which is understandable because I understand that you pay interest from the purchase date when you have a previous balance. I'm ok with that. But, now this month, I looked at my statement and the regular purchase balance subject to interest rate is $796.46, so nothing that I sent last month went on that 21.99% interest balance. And I still paid interest on it.

    I have emailed them several times and each time the responses I get are "we determine how your payment is applied" and "payments are applied at our discretion." Is that really the way it is supposed to be? My minimum payment keeps going up now. Last time it was $365 and now this month it's $379.

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    Customer Service

    Reviewed Sept. 20, 2011

    Harassment and undue payments levied and does not allow cancellation of the credit card. Whenever I call to place request to HSBC's customer care, they put some outstanding amount and hold the cancellation process and delay the cancellation. I am totally harassed.

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    Customer Service

    Reviewed Aug. 31, 2011

    On 6/27/11, I mailed check of $1018.62 to HSBC. They cashed it on 7/11/11 but did not post to my credit card account. I faxed them a copy of bank check payment and called on 8/25. They said I have to wait. I called on 8/30 and they said they have no record of inquiry or fax or anything, and said I have to wait again.

    I think they posted my payment to someone else's account.

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    Reviewed Aug. 10, 2011

    Orchard Bank (HSBC) sent me an offer for a credit card, shortly after I separated from my husband. The offer was for a very favorable card, no yearly fee, low APR and et cetera. I called in to find out more information about the offer, and was impressed. I had intended to take the card and use it to consolidate some smaller debts, and pay them off under the lower APR. Orchard Bank directed me to a website to enter my information for the card, and the website indicated that I was preapproved for a card with a $5,000 limit.

    However, what they sent me was a card with a $200 limit, and an $89 yearly fee. Yep, I looked at it again; $200 limit, $89 yearly fee and with a starting APR of 24.9 percent. I called in to tell them that I did not want the card. I was told that I had actually been applying for any card that they chose to give me, and I didn't qualify any more for the other card due to my separation from my husband. This made no sense, as the offer was sent to me personally, not both of us. I tried to cancel the card. They said I cannot until the $89 was paid off. I ranted a bit, and finally they agreed to "review" my card in one month, and said they would likely raise the limit to a useable and reasonable amount. They would not let me cancel the card without paying the $89, and I didn't want to pay $89 for unusable item.

    So, I paid the $8 the first month, and called in to ask them to do the "review". They said I didn’t' qualify, and implied it was due to not carrying a balance on the card. I tried to carry a small balance. The next thing I knew, my payment had been "rejected" by the company. Not my bank, their bank. I called to ask why, and they said they reserved the right to reject some electronic payments. I was charged a $25 late fee, and my interest was jacked to 30 percent. At this point I have borrowed a grand total of $55, and already paid $150 for the privilege. I insisted on closing the account. They refused. If I recall correctly, making a payment at all cost me $5 to send a check, and $10 to do the payment online, with some similarly absurd payment for a phone payment.

    I'll be totally honest with you: I let the damn thing lapse, and never looked back. I believe wholeheartedly that Orchard Bank deliberately targeted me, seeing that I had trouble making some payments, and then started deliberately tacking fees onto a card that was utterly useless for any purpose, with the intent of milking as much as they could before I defaulted. I believe I wound up pouring over $500 into that card before I gave up.

    It may, or may not, be illegal to issue a different card than you advertised, and it may or may not be technically illegal to charge enormous fees for a card with a tiny limit, virtually forcing people to go over their limit through fees and interest alone, but you cannot tell me that it's not shady and immoral. I went to them in good faith to ask for a credit line that would help me. Instead, they saddled me with the "privilege" (a word their collections department likes a lot) of being allowed to borrow $50 in return for paying over $500 back. Can you say its usury?

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    Reviewed Aug. 8, 2011

    I disputed a charge on my HSBC card which the merchant called "Empire Safety Council." It was a 6 hour online defensive class which I wasn't able to take due to log in error. I e-mailed and called the merchant who never replied and when I finally got hold of them, I was told to dispute with my bank, which I did.

    It's been more than a month and HSBC is playing around, telling me to write a letter over and over again about the explanation I gave dozens of time to each and every representative that I spoke to. I have wasted more than 6 hours contacting HSBC and mailed my explanation which is not enough to get my refund. My 5 years of loyalty and good standing means nothing to HSBC.

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    Reviewed Aug. 7, 2011

    I received letter from HSBC with the intro line "Our records indicate that a change of address was processed on your GM Card credit card account within the last 60 days"... Since I had not used this card in over 5 years I was worried that someone was obtaining credit in my name. I called the 800 #947-1000 and the customer service rep asked for my identifying data. Before I gave her the information I asked why she needed it and she said to confirm I was who I said I was. I believed her and gave her my personal info. I then asked when they received the change of address. She then told me that they sent me this letter so they could update my demographics!! And she apologized for the inconvenience. I again confirmed that there had been no change of address. This was just a ploy for me to give them information so they can probably send me junk mail and sell my name off to other agencies.

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    Reviewed Aug. 3, 2011

    I fell onto a very hard financial times and was unable to make a payment on my Union Plus Credit Card with HSBC. I called and communicated with them and remained in contact throughout my hardship which is still occurring. Both my parents died in 2008 and it caused additional complications as I had to attend/arrange their funerals and complete their final wishes out of state. This brought further complicated times onto my business as I had to travel and even temporarily move to El Paso to resolve their estate, etc.

    Throughout this process, I communicated regularly with HSBC by telephone and told them that I would resolve the $5,810 balance as soon as the estate cleared. When it did, I immediately contacted HSBC and negotiated a payoff of $4,555. This was the hard balance without late payments and interest charges that had accumulated over the period of failed payments. They accepted that payment and indicated that it was a final payoff, then they charged off the entire amount of $5,810 and sold my account's $5,810 balance to Main Street Acquisitions who began trying to collect the entire amount of $5,810.

    After I finally discovered that this was not a bogus collection or a simple misunderstanding, I was able to show them that I had paid HSBC $4,555 which was a final payoff. They carried a balance of $1,156 (which did not equate to the $1255 difference) and after 7 months of increasing that amount with service charges, interest, etc., Main Street Acquisitions resolved the account. I can not believe the fraudulent behavior that these companies are allowed to operate under.

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    Reviewed July 28, 2011

    I did not receive statements for seven months, and thus was unaware that I was past due. HSBC contacted me on the eighth month to let me know that I was in collections and all of my past months' "delinquencies" had been reported to the credit bureau. Also, after the first month that I didn't pay because I didn't receive a statement, my interest went from around 11% to over 25%. I never had the opportunity to rectify the situation before it went to collections, and now there is a black mark on my credit. HSBC has closed my account and will not report to the credit bureau that I am in good standing or acted in good faith.

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    Reviewed June 8, 2011

    I obtained a GM Flex Card from HSBC in 2006 along with payment protection with a limit of $900.00. In Oct 25, 2008, I lost my job and had a balance on the card of $546.00 approx. and informed HSBC of my dilemma. They sent me the forms two weeks later to fill out and I sent them in immediately. I was informed almost a month after I sent in the forms for the payment protection that they did not receive them.

    I told them they were mailed a month ago. I was charged late fees and I argued I did not owe them anything and I was waiting a response from payment protection. They told me I did not mail them on time and the payment protection was now invalid after paying over two years for the insurance. I am being threatened of a lawsuit with a balance of $1,551.91 at 30.99% interest as of June 6, 2010 and climbing with no end in sight and this company will not honor the payment protection and never did.

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    Reviewed June 4, 2011

    I have tried to get a $3900 credit balance from HSBC since March 3, 2011. As of today, June 4, 2011, I have been unsuccessful. I was told by customer service representatives on two different occasions that two separate checks had been mailed to me but I had never received either. I finally insisted on speaking to a supervisor. Char, as she identified herself, promised to get to the bottom of the matter. She called me on Friday, May 27, 2011 and said a check was being cut for me that day, would be sent via FedExpress and that I would receive it Tuesday, May 31 as Monday May 30 was a holiday. When I did not receive a check I again called and attempted to speak to Char but was unsuccessful. I did, however, speak with Christina.

    Again, she checked everything, told the same tales--"two checks have been mailed", "don't know how they are getting lost", "I would check with the person who helped you before to see if she manually produced the check but she's not here today", "it takes 21 (sometimes 45) days for the checks to reach you". I am fed up with HSBC. If I do not get my money by June 10, 2011, I plan to see an attorney. If anyone out there is planning a class action suit, count me in.

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    Reviewed May 25, 2011

    Due to extreme unfortunate circumstances, I was unable to make payments towards my credit card (owed approximately $1,000). I wrote 3 letters explaining that I could not make a payment and needed to activate my payment protection plan that I had been paying for approximately 2 years on a minimal balance. I had been a customer for 15+ years and have always paid my payments on time. This time around I needed help, but no one would listen.

    My account was charged off. I spoke with a representative at HSBC (mind you, from another country and it was difficult understanding this person) and I was told that they will help me. If I paid them $400, my account would be charged off and paid in full. I explained that I need to find a way to get the money as I am homeless, unemployed and suffering a great hardship financially, but I was eager to settle this matter. I will get back to them ASAP as to when I can pay them. I call them back a week later to give them all the money and I was told that my account is no longer with them as they sold it to a collection agency (portfolio recovery) and I will have to deal with them.

    I am disgusted with how poorly I was treated when I was nothing but honest and up front about my hardship and they didn’t even listen to me nor give me appropriate notice when I spoke with them that they were sending my debt to the collection agency. Don’t even try to pay them back because as soon as you contact them to make arrangements, they turn around and sell you to a collection agency so they can get all their money from them rather than accept a settlement from you. Or at least be prepared to give a hefty payment when you call. This card is a rip off in every way.

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    Reviewed May 5, 2011

    I have being with them since 2008 and just because from June 2010 until now I haven't used the card they decided without notice to close my account. He claims that they don't have to send notice but when we are late they will call and they will send notice and etc. to get the payment. I am really upset that they are allowed to do so when I specifically told them that I want it open and he claims he can't. I have been a good customer to them.

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    Reviewed April 26, 2011

    April 2011, I received an email from Best Buy Reward Zone MasterCard. They said I was pre-approved for their MasterCard. I am trying to rebuild my credit so I applied for it. When I applied online for the MasterCard, I did not see anything in their fees and terms that said I had to pay an annual fee of $59. I received my MasterCard in the mail and the week of April 18, 2011, I called in to have my card activated. I asked the representative who activated my card if there are any fees for using this card, he told me there were no fees for using the MasterCard and my credit limit would be $300.

    After using the card, I noticed that I was charged a $59 annual fee. The representative should have been honest with me and told me there was going to be a $59 annual fee charged and that after the charge, my credit on the card would be $241. I did ask him over and over and he told me I would not be charged any fees. I was also told I was being recorded and I will like for this to be investigated, for the conversation that I had with the representative to be reviewed.

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    Reviewed April 13, 2011

    Me and my ex girlfriend purchased a 2006 Yamaha r6 motorcycle from Thomas Motorsports using her HSBC Yamaha motor credit card. The loan was in her name but upon a contract with her, I took over the payments. For first 2 years, I paid 157.00 a month and then 383.00 for next 3 years. I had lost my job and was unable to make payments on the bike which in turn was repossessed illegally due to was never reported to police agency.

    We later find out that there were no terms on the loan after asking what the terms were originally. We were told 72 months. Later finding out there were no terms. For 5 years, I paid for this bike thinking there was only 1 year left on the loan original price after taxes was 14999. I've paid 19000 dollars after 5 years and was stated we owed another 13000 dollars on top of that. We also had 3000 dollars incorporated into the loan for insurance purposes. We were suppose to have full coverage, in turn we only had liability only which does not cost 3000 dollars. I believe there was a scam and fraud being committed by Thomas Motorsports and HSBC retail service.

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    Reviewed April 6, 2011

    I was alerted that a negative comment was on our credit report. HSBC reported that we were over the credit limit, when in fact, we were approximately $4,600 under the limit. After calling them on 4/4/11, they indicated that they had a 'computer glitch'. I have been denied credit as the credit score was dropped over 40 pts in a month.

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    Reviewed March 29, 2011

    We opened this credit card for my wife to purchase a return ticket from Las Vegas. The mailer we received offered no interest on purchases & balance transfers for 12 months. When we received the first statement, there was now a $39 annual fee, which was not clearly described in the mailer which is my fault. I inquired as to how to pay off the balance with no interest as promised in the mailer and I was informed that the card only had no interest on balance transfers, not purchases. I'm sure if I had called about a balance transfer, I would have been told the no interest would only be on purchases. This is a simple bait and switch fraudulent offer. The manager asked me for the original flyer that came in the mail. I asked him who would keep a mailer after the credit card was already approved. Reputable banks I work with do not change their terms as this rip off bank did. Of course, they had no information about the offer that I received. I closed the account on the phone with him at that point.

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    Reviewed March 25, 2011

    You have continually **** me of my dignity and my finances. In August 2008, I reported to you that I didn't have a job at which time my balance was $185.00. I sent in documents to verify that but you continued to phish me with over the limit charges and late fees totaling each month to $49.00. You took my $200.00 security deposit and closed my account even when I thought you had finally gained some sense. I thought you were giving me a credit of some of those harassing and abusing over the limit charges and I sent $81.00 to you only to find out that you were simply further abusing me and **** me of my limited money sources.

    So from a balance of $185.00, which I have not made any more purchases since over a year ago, you have abusively brutalized me with the $30 and $19 every month to rip me a 5 times over-sized ****. The current balance listed on the account is simply your gross misuse and abuse adding the over the limit charges and late fees to slander me. The decision was made to credit the $346.19, previously shown having accumulated over several months, back to the account which wiped out the balance that resulted from the over the limit fees and late charges added after the $200.00 security deposit was taken and the account was closed.

    However, the actual amount that should have been credited is $442.19, or a variance of a few cents, which is the $346.19 plus the $81.00 paid on 8/21/2009, and the $15.00 difference from the $200.00 security deposit taken to pay off the approximate $185.00 balance when the whole fiasco began. The account having been closed by an **** official should have an available balance credit of $96.00 or that amount should be refunded to me. However, I am still pleased that the $346.19 has been credited to the closed account but I feel that some good conscious endeavor should be given consideration with what I have presented for your attention in the above.

    I'm sorry, but you are lying in this promotion. You are the worst and most difficult credit company to deal with. You scam the consumer with your claim to help rebuild credit. My confirmation of your lying is because when a consumer pays regularly with higher than the required monthly payment you do not report that to the Credit Bureau but as soon as the card holder has one over the limit occurrence or the first late payment you immediately send that information to the Credit Bureau. Furthermore, you do not honor the safety protection that is offered so that when a person loses their job and cannot afford to pay their monthly payment and it is reported to you, you still hit the account with the late fee charge and the over the limit fee spiraling the balance on the account to double the balance.

    So that's how I feel about your company and have repeatedly reported it to consumer advocates and thousands of friends on the Internet. The payment of $81.00 made on 8/21/2009 should have been refunded to me because of the nature of you fooling a person into presuming that you had made a credit adjustment thus leading me to believe that I was increasing the available balance on my account but after the fact realized that you had snookered me. Again you are the worst credit card company to deal with because of your scamming method of handling consumers.

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    Reviewed March 2, 2011

    HSBC card services continue to bill me although I spoke to Anna, the manager, and told her to cancel the card. Anna told me to tear up the card, which I haven't used in 3 months. The charge is $13.17 a month. Now it is a total of $26.70. I asked Anna if there is a charge of $13.17 even if I don't use the card, which I think is not right.

    I don't want my credit to be ruined when I am trying so hard to pay my bills on time. Can you help me to clear this matter up? I don't want this to be entered on my credit report of nonpayment.

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    Reviewed Nov. 30, 2010

    Credit card company is charging me an unfair interest rate. I have had this credit card since 1995. No payments have been missed nor late. The entire balance was paid off in 2004 and the interest rate was deleted or omitted. Customer service claimed that they lost the record and they have calculated the rate with the highest interest rate. The introductory rate was satisfied and a new rate should have applied after the original balance was paid-off. HSBC has failed to honor my request for an accounting of the interest rate.

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    Reviewed Nov. 18, 2010

    I made a credit card payment online via EFT from my checking account on 11/14/2010. The payment cleared my bank on 11/15/2010. The payment posted to my HSBC account on 11/16/2010. However, HSBC also place a "pending" charge on the account in the same amount as my payment effectively--making the card unusable. When I called customer service, I was informed that holding payments are standard procedure and may take up to 14 days to clear. I did confirm with my bank, the payment had completely cleared the system and was in fact in the possession of HSBC on 11/16/2010.

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    Reviewed Nov. 8, 2010

    This company keeps you in the dark. They won't give any proof of why or what there charges are for. The people are rude. You need a lot of time to settle a dispute. Basically, there are loan sharks. They access your accounts and try to take whatever money they want! Yet, companies still use them and don't warn the customer about how hard they are to deal with. We paid our account off early. Guess they don't like it when you do that!

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    Reviewed Oct. 28, 2010

    In the past few months, our Master Card was denied three times. One for a purchase on line for a snow blower, one for dog grooming, and today in Florida at a store. Our credit, bill paying, and long term association with HSBC has been excellent. Both my wife and I travel, sometimes together, sometimes separately. We complained twice in the last month or so to them. They stated it was denied due to security reasons.

    What security reasons we asked, we have been using this card for many, many years. I spoke to a gentleman named Eyen today, and he asked when and where we will be traveling to so he can make a note of it. That all we have to do, is to call them if the card was denied, so they can verify the purchased. Verify? Hold up the lines we are in, while we verify?

    It is my belief, this agency is upset with the recent government changes on credit cards, and their constant calling us to change or upgrade our credit card. This is nothing but harassment at its highest level. Your assistance will be greatly appreciated

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    Reviewed July 22, 2010

    Warning: do not use HBSC credit! In October, we purchased a television from our local Best Buy, with a 3-year no interest plan they were advertising. I have been paying more than the minimum amount each month, so I could avoid paying interest on the TV. Today, I received my statement from my Best Buy card, with a $39.00 late fee. They stated that they did not post my payment until 7/12, one week after I mailed the payment. I have a hard time believing they didn't receive my check before then. We don't deliver mail on ponies anymore!

    I called and the first person I spoke to said they would take off half of the $39, but refused to take off the whole amount. I then spoke to a supervisor and was told the same thing, that there was nothing more they could do. I know this is not true. Any bank can remove any fee at any time. They evidently don't value my customer service, because I am a responsible consumer and don't want to pay their interest.

    I now have interest on the account due to this fee. So, I will be paying it off, which is exactly what they want me to do. I called Best Buy and even though this is their card, there isn't anything they can do to help me. HBSC has horrible customer service and Best Buy doesn't want to take responsibility for their own credit card. So, if you shop at Best Buy, which I will no longer do, do not sign up for their credit card!

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    Reviewed July 15, 2010

    I applied for a Finger Hut account back in the early 90's and the card turned into Direct Merchants, then it turned into HSBC. I had paid for the the credit protection insurance for over 10 years and had accumulated over $5,000 in payments. Then, two months I called to use the insurance and they denied me because I was self-employed. I was never told that being self employed would not qualify. They even offered me to upgrade to a better insurance program, when I asked if it covered self-employed they said that it did not. They have swindled me out of a lot of money and even tried to upgrade me to a better program to be swindled out of more money. I wrote them a letter to get a refund applied to my balance and all I got was just over $100. They are crooks and I am not paying them anymore.

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    Reviewed July 2, 2010

    They called my home to talk with our son who no longer lived there. We gave them his cell phone number, but they kept calling us. I called twice to complain, but they rudely hung up both times.

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    Reviewed June 1, 2010

    When I was laid off about one and half years ago, I made every effort to pay my bills on time. Every other creditor was cooperative (Chase, Bank of America, Discover) for the most part except HSBC (Menards card). They have called, harassed, threatened me, and charged me the highest rate of interest of all my creditors (27.9%).

    Even after making a payment in six weeks of about $1200, they charged me another late fee of $35 and continued to call two to three times daily seven days a week. As if this was not enough, they canceled my Best Buy account, which I had paid as agreed. When I attempted to reinstate the Best Buy card, they refused very tersely. They have ignored my plea for a hardship program available with all my other creditors, simply advising me to call credit counseling, which charges a fee.

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    Reviewed May 6, 2010

    I noticed a series of miscellaneous charges, for calling customer service, using the phone instead of the internet, to inquire about my account, and unwanted account insurance, on my first bill. I decided I wanted to pay off my bill in full. I called customer service and they said they had a promotional payoff of $453.38. I asked, "So if I pay that $453.38 by the due date, my bill will be paid in full, and I will have a zero balance due, correct?” And the customer service rep verbally verified that was correct. So I paid the amount in full one day before the due date, and on-line the $453.38 amount was indeed shown as paid one day before the actual due date.

    However, my latest bill reflects the $453.38 did not pay the bill in full, and there is about a $60 deficit. I called HSBC/Best Buy customer service, and the agent said he had to do some research; when he came back, he said they had a new type of bill, and that one I saw with the promotional payoff "did not reflect the annual fee." It was just the payoff for the charges I had accumulated up to the due date for that card's cycle. But the previous rep hid that fact from me, that the payoff did not include the annual fee--which I thought was included since it was a "promotional" discount payoff.

    Also, when I was traveling and needed small cash advance in an emergency, I was advanced $25. To my astonishment, HSBC/Best Buy charged me $10 for that twenty-five dollar cash advance. Plus of course the interest charges start accumulating from the day of the cash advance. When I called Best Buy credit, they said they understood my concern, but I agreed to such a charge when I signed the agreement. Of course I have no such recollection of ever seeing that there would be such an exorbitant charge for a small cash advance like $25. I am trying to make ends meet by taking care of/supporting three small children, the oldest only 6. I literally need every dollar just to get back, not be nickel and dimed by greedy credit card company.

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    Reviewed May 4, 2010

    In early April 2010, I received a statement from HSBC on my GM Platinum credit card. It included a note that I was being assessed a penalty interest rate of 30.99% (a 40% increase on the original 21.99%) for missing a payment. Now, I readily admit that I missed a payment, but not for lack of funds, rather, I missed the payment because I either did not receive or misplaced an earlier statement. For years, I have paid on time and have typically paid four times the minimum balance.

    I called customer service and spoke to an accounts agent who, by the way, thanked me for being a valued customer. I explained the situation and told him that I admit to the error, but that HSBC should look at the customer's history before assessing such an onerous interest rate. He stated that there was nothing he could do, so I asked to speak to his supervisor, who also thanked me for being a valued customer. Once again, I explained the situation and requested that they expunge the penalty interest rate with the threat that I will cancel my account. She stated that HSBC did not want to lose me as a customer, but there was nothing she could do as she did not have the authority to change a customer's interest rate. She then suggested that I write to their card services dept.

    So, on April 15, I wrote a letter to card services stating all of the above information. On April 30, I received a letter from the card services dept. stating that I should contact one of their customer service representatives to request a lower APR. Wait! It was the customer service representative and his supervisor who told me there was nothing they could do and had no authority to change customer's APR! Talk about circular logic. There are no consequences, except to HSBC, as I am, at the earliest opportunity, going to transfer my balance to another credit company and cancel my HSBC card, never to do business with them again.

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    Reviewed April 25, 2010

    Have bought numerous items from Best Buy at zero interest contracts. Different due dates and balances have been combined or eliminated. The balance due on 6/23/2010 is wrong. In trying to get some possible results, the last person I talked to was a Miss Toni, being very rude and unprofessional. She stated that by law I have complained one too many times and that she did not have to listen and could no longer help me. I never in any way suggested balances be combined or eliminated. In fact, I was the one to catch the wrong figures.

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    Reviewed April 25, 2010

    I've had this credit card since 2006. The first year, I missed 3 months of monthly payments. The bill was $179.00 a month. After about 3 months, my bill went up because of interest rate and late payment, etc. I caught up with this bill and haven't been behind since. Also, I make sure I pay more than the minimum payment per month. In March of 2010, the minimum a month was $290.00. I sent $326.00. In April, the bill was $314.00. It seems to me that no matter how much I send HSBC, the bill for some reason isn't lowered. Being that I send more than the minimum, one would guess that the bill would go down.

    It's been 4 years since I got this bill and after my first 3 months of late payment, I have not been late ever since. Doing the math, I'm figuring the amount that I owe should be somewhere in the neighborhood of $8,000-$9,000 give or take. The original amount of this bill was $13,000 and I've only gotten down to $10,017.78 and it's been 4 years. This is while sending $300.00 to $400.00 a month. I have tried over and over to find out why HSBC has not tried to work with me. I called them and it has a billion excuses as to why it's still at the amount that it is. I hope that somehow someway this complaint can help me out in solving this issue.

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    Reviewed April 13, 2010

    I was use HSBC bank's credit card but now I am not used HSBC bank's credit card and the past payment of HSBC bank's card had been paid by me as a settlement of Rs.1600 by AXIS Bank Cheque no. (742995) on 07-07-09 and the payment had been released from my A/C but till now I am not getting a settlement paper from HSBC bank's side and now HSBC bank says, they need more amount for settlement. Please provide my settlement paper.

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    Reviewed April 7, 2010

    After having a credit card (now through HSBC) with Best Buy for 14 years, they decided to arbitrarily reduce my credit to an amount below the balance they indicated on the same month's statement (they reduced it to the principal and then added the interest). I admittedly have had a late payment here and there over the years but nothing significant and I have never fallen a month behind or anything of that nature.

    I have paid off promotion balances when able prior to the interest being added and found that every time I did this, they tried to hit me with the interest anyway. This despite deliberate phone calls to verify the amount required to pay off the principal and avoid the interest prior to the payment being made. I realize that so many banks and businesses are conducting themselves this way and showing their disregard for their customers but I will no longer support this kind of treatment.

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    Reviewed March 23, 2010

    I paid a payment online. It says pay online free all over their website. I got my next bill and there was a $15 direct check fee. I called and the guy said it was a mistake and it would be credited within 1-2 billing cycles. Then he tried to sell me something. I believe they charge "mistaken" fees to people who typically won't even notice and the second guy I talked to just now actually confirmed that. He said this happened to lots of people. Then if someone actually notices and calls and can actually get to a real person (which is not easy. There is no option to get to a real person. You have to press 0 a whole lot), they try to sell you something. I don't have a problem with the employees. They were nice and did their job. I'm sure they have a family to feed. This company is horrible.

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    Reviewed March 16, 2010

    The Best Buy credit card is purposely setup so that they can slam you with $35 late fees. They only accept checks as payment, no debit cards. If you try to pay over the phone, they charge you $15. They say there is an automated payment system that is free of charge but every time I call, I get directed to a representative. You cannot pay in-store.

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    Reviewed March 11, 2010

    I have a Best Buy card that is through HSBC. When I have a payment due or past due, I am inundated with phone calls several times a day Mon-Sunday. This is absolutely ridiculous, intrusive and I consider it as harassment. I have never missed a payment although it may be at the most a week late, depending on how I get paid.

    When the calls come through, it is an automated system and doesn't just leave a message on my voicemail, but instead continues to call. And then when I answer, I am placed on hold for a live customer service person and sometimes it will disconnect me after waiting for the person. Another issue I have with HSBC besides their daily harassment of calls, is there absorbent APR and late fees. And they seem to continue to increase.

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    Reviewed March 3, 2010

    I lost 40% of my income due to a furlough program and current economic conditions. Before my account with HSBC Bank/Best Buy was past due, I emailed and called the credit card company asking for assistance due to my financial situation. They would not help me since my account was current. Once the account went one day past due, the calls started. I again emailed and asked for help. They reminded me of the payment due and recommend that I call CCCS for debt management. Long story short, they have rejected two proposals from CCCS (the company they recommended me to call). This bank is very rude to their customers and as soon as my account is paid, I will not be doing business with them ever again. I have been under a tremendous amount of stress dealing with my financial situation.

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    Reviewed Feb. 24, 2010

    This is very upsetting that a person who is sick and wanted an immediate help has to not just deal with the particular bank and department causing them trouble, but the irony is that I have to fill this complaint form with the assistant manager of Chennai Card Department, Satish **. I spoke to him on 23rd February, 7:30 pm. I want to share the terrible experience I have faced with HSBC Credit Card Department. I think all the representatives of HSBC should not call them as Customer Care departments because the last thing they will bother is Customer.

    This painful incident started when my card expired last year in the month of November and they failed to deliver the new card just because the communication address was taken wrongly by their so-called customer care representative. Now again they require 60 days more. I am sick and I need a new card badly so HSBC Credit Card Department wants the sick person to wait for such a long time. I have been waiting since October. Now I do not understand why they need such a long time to correct the wrong address taken by them shall a sick person pay in this way for their mistake. Through this article, I want and look forward for some real quick help to get my new credit card. I also want to update you to provide customers with toll free numbers.

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    Reviewed Feb. 19, 2010

    I purchased a HDTV from Ken C on a Mitsubishi deferred payment promotion for 18 months on a HSBC credit card. The deferred payment deadline was Dec. 31st, 2009. On Dec. 18, 2009, I called Mitsubishi to have warranted repairs on the TV. They told me that the warranty expired 6 months earlier but I insisted that the problem with the TV and specifically the local HD channel received over the air were not coming in even though I had a strong signal from my outside antenna. This was verified only then since I didn't use the HD tuner until then due to my using satellite reception to view my TV and not using the HD tuner. Because of Mitsubishi's refusal to honor the repairs, I contacted HSBC credit card and told them of my problem with Mitsubishi's refusal to honor the TV's repairs and invoked with them the "Lemon Law" that I understood it allowed me to not make payments on the credit card without any finance penalty until the problem was resolved.

    The HSBC credit card rep. told me that I had no payment due until Jan. 7th of 2010. Prior to speaking with the rep. the automated phone recorder also told me that I had no payment due until Jan. 7th of 2010. Mitsubishi, meanwhile agreed to have my TV diagnosed by their authorized service dealer and reported that the repairs would cost $200.00 due to a loose connection on the main circuit board, thus confirming that the problem existed from day one I bought the TV.

    The service dealer had to take my TV into their shop for troubleshooting and since I was leaving town for the holidays and was returning home on the 4th of Jan. 2010, I made online arrangement to pay off the deferred amount on Jan. 6th of 2010 since all information I received until then were that I had no payment due until Jan. 7th of 2010. Upon returning home, Jan. 4th, I contacted the service dealer to have my TV returned. They told me to contact Mitsubishi and doing so I was told by Mitsubishi that they would not pay for the repairs. Upon my insistence they finally agreed to pay for the repairs and I personally picked up the TV from the service shop.

    To my surprise, HSBC credit card is now charging me the accumulated deferred interest because they claim that the promotion deadline expired on Dec. 31st of 2009 and the payment was made on Jan. 6th of 2010. I had filed a complaint with HSBC customer service complaint dept. and followed up with the Mitsubishi's resolved conclusion to repair my TV, to have all accrued finance charges removed from my account. Yesterday, the 18th of Feb. I received a letter from HSBC where they refuse to remove the finance charges from my account. What do I do now? Whom do I turn to get HSBC to reconsider their decision? Please help me if you can!

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    Reviewed Feb. 3, 2010

    I made a payment on my credit card account for over $220 on 1-21-10. Two weeks later, the payment was still not reflective on my account as available credit. However, my bank authorized the payment and cleared the funds. In addition, I received a confirmation email from HBSC that stated that the funds were accessed through my account. I called HSBC supervisor, Jenny **, on 2-2-10 at approximately 6:35 pm, who said that she could not verify that the payment was made and it took over two weeks to do so even though I had a payment authorization that the money cleared on my account.

    I requested that my account be closed because of the lack of concern for customer service and no more than 30 seconds the account was closed. It is disheartening to know that when I requested assistance to help verify the payment, Jenny ** made no attempt to do so. But when I requested the credit card account to be closed, she approved it in less than 30 seconds. Where does HSBC priority lie? Keeping customer satisfaction or authorizing a request to make their job easier?

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    Reviewed Jan. 6, 2010

    It all started with a $49.70 bill from Best Buy which was paid in full and 2 weeks before it was due. This is dated 10/6/09. The month later, I received the same bill stating it was late and I would be charged a $10 late fee. I immediately called and faxed to them at their request proof of payment from my bank. The following month, I get a letter saying that if I do not pay, I will go to collection again. I called and again, I faxed them all the necessary papers. The next thing I got is a check for $49.70. Now, I called and I asked them what they are doing. In that short time, I spent another $20 on a CD. Now, when I called, they tell me that I owe them $79.80 plus $25.00 late charge.

    I once again explained the situation that the manager agrees to take the late charge off and since they sent me back the amount I paid them, I agreed to pay the amount of $79.80 which covers the original $49.70 an additional amount for the CD. The next bill I got has a -$49.70 so I figured it was taken care of. January comes and now, I got a letter saying that I owe them $136.19. I was so desperate that I even called Best Buy to help and they said that I had to go through HSBC. This Christmas, after this terrible experience, I did not go anywhere near Best Buy. All I want is this to be cleared up. I have literally begged them to take care of this for me but to no avail. If I talk to ten people, I get ten stories. My credit is very important to me and this has been a terrible experience.

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    Reviewed Dec. 6, 2009

    The complaint below is self-explanatory and despite it getting raised even with the CEO's office in India, it has not gotten resolved even after 4 months. Also even after acknowledging that the two issues raised in the report were system failures caused by poor management at HSBC and perhaps deliberate attempts to forcibly take money, the bank has gone ahead with the shameful act of cancelling my credit card. This is when I have been HSBC's customer for 18 years with an impeccable record. It is the high handedness, willful neglect and planned fraud of HSBC bank to make millions by harassing its customers. The logging of complaint on this website is an attempt to make it reach the offices of Sandy Flockhart, CEO of HSBC Asia Pacific, Stuart Davis, CEO India and Stephen K. Green, HSBC:

    It is not often that you would receive communication of this nature and nor do I have the time or inclination to waste mine and your precious time. However, not sending this mail will perhaps be a disservice to both HSBC and its millions of customers and hence, taking time to do so. In the normal course, I may not be as busy as you are but perhaps as busy or more than several of your DRs and with responsibility similar or bigger than them. Hope this mail is taken seriously and acted upon. The basic premise of this mail is that HSBC is willfully engaged in duping millions of clients by illegally charging huge late payment fee and financial charges. For this, it knowingly includes charges where there should be none. And in case of the remote possibility where the client may find out about it and complain, the process is once again willfully and knowingly designed in a manner to coerce and push the client into paying through delays and threats.

    I have been a customer of HSBC since 1992. Having closed the FCNR and savings account several years ago due to poor service, I continue to use the HSBC credit card for the ease of managing and maintaining just one card instead of several. I am perhaps not a large card spender with a monthly payout ranging between Rs 30K to 60K only. At times there have been problems with my card. On most of the occasions, these were due to lack of fool proof, robust or customer centric processes at HSBC. The worst case being when my card was barred without any intimation and I realized it in the middle of the night at a petrol bunk after the vehicle had been filled. With not enough cash on me to settle the bill, I was fortunate to be carrying ICICI Credit card that day, which in the normal course is not on me all the time. What scares me is a situation if I had found my card barred somewhere in the middle of Africa and not enough cash to settle the bill. Perhaps I would not have been alive to write to you.

    On almost all the previous occasions, I had been able to get the matter resolved mostly with the intervention of the then Head of Quality, Anil **. But the recent experience, prolonging for almost 4 months, is a nightmare and disgusting experience which certainly does not befit the name and status of HSBC. It all started with one wrong debit of AIG insurance premium, which should not have happened in the first place, verified by HSBC and two wrong debit of annual charges even after they were reversed and confirmed. The above resulted in uncalled and incorrect financial and late payment charges. With Anil having moved to a different role, getting this resolved is proving to be an impossible task. The officer Ms. ** (perhaps one of the rudest and mismatched to the role), who should be managing this extremely important and sensitive position she is in, and Mr. **, from the CEO's office (once again, the wrong person in an important position) are epitomes of apathy, disdain and lack of customer centricity. I am yet to come across anybody as procrastinating and unresponsive as Mr. **.

    More than 45 days and tens of reminders have not elicited even an acknowledgment from him, leave alone a detailed response. I am seeking reasons for the above two faux pas which have been acknowledged by HSBC. The unprofessional interaction with Ms. ** was a painful experience lasting a little over a month. She obviously has no time to waste talking to clients, even in extreme circumstances, and happy to let the things be what they are. My last conversation with her more than 45 days ago was only the second in 45 days of two and fro. My request to seek information on the contact person and his details to whom I could escalate the matter was responded with, "The escalation matrix is on the HSBC website. Go there and find it out for yourself and you do whatever you want." These golden words were delivered in a menacing, most discourteous, rude and threatening manner.

    Post the above call, I managed to reach Mr. ** and have been stuck with him since close to 2 months now. So much so that despite my request for a call and my insistence that I will pay further bills only after his calling me up and explaining why did the things go wrong and a comfort, plus assurance that this will not recur, Mr. ** has not felt any need or has not been able to find time to call and resolve. For me, spending these 25 minutes to write this mail and many more I have already written to many agents and tens of calls is a huge investment, which is not worth it. I would have rather spent this precious time on something important, productive and fruitful.

    After all, chasing HSBC and telling its tens of employees that their processes are broken is not the aim of life. I am here to add value to my family and society and not teach HSBC how to manage its business. All this waste of time for charges, which in the first place should not have appeared. With the experience so far, I am not sure if I will get to hear from HSBC, but my next payment 65K due on December 2nd is not going through until the matter is resolved to my satisfaction.

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    Reviewed Oct. 27, 2009

    Four months ago, I applied for and received a Best Buy-branded HSBC rewards credit card. The card advertised 2% rewards for groceries/dining and 4% at Best Buy. My thought was I use the card and pay it before any interest accrued. My problems with the card began immediately. At no point did the online application mention an annual fee. I signed up for online billing, so I didn't receive a mailed statement nor did I receive an email informing me that a payment was due. I lucked out and was checking on some of the reward zone rules online and decided to check my card. I was shocked to see a $39.95 charge on my account with a payment due in 6 days. I promptly paid it online. I decided, despite the annual fee, to keep the card due to the 2% - 4% rewards system.

    After 3 months of using my card every trip to pay for every trip to the grocery store and Best Buy, I noticed that I was only getting credit for the Best Buy purchases. I emailed the company and was told they couldn't help me online and needed me to call them. I spoke to a customer service rep I could barely understand. She explained that it takes up to 30 days to post on my rewards account. I told her some purchases were over 90 days old without being posted, and she repeated that it can take up to 30 days. After 15 minutes of back and forth, I got frustrated and said goodbye. She interrupted me and asked me to hold on, and she then spent 10 minutes trying to upsell me multiple products. The entire "we can't help you online" is nothing but a ploy to get you on the phone with someone trying to sell you stuff.

    Finally, after 4 months, my rewards points showed up at 1% instead of the promised 2% return rate. The transactions are clearly marked at dining/grocery purchases, which should base been 2% according to their own website. I again asked a question through their online customer service form, and I was again told they needed me to call their 800 number. Instead of calling, I responded to the email and requested that my email be escalated and handled without a phone call. In my last bill, I noticed a $6 finance charge, despite paying my bill in full on the 20th of every month. When I called (again) to question the finance charge, I was told that I had a pending charge of $17 that was charged on the 21st with the billing cycle ending on the 22nd.

    Due to the pending charge, my account wasn't considered paid in full for the billing payment so my "grace period" didn't apply, leading to them charging me $6 in interest on a $17.23 bill due to that month's average daily balance. This is deceptive and clearly a misleading application of the "grace period".

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    Reviewed Oct. 6, 2009

    I have always been on time with card payments and my fixed rate of 6.99% is going up. Because of the restrictions the government is putting on these banks, the backlash is coming at those who can’t afford to do more. When the APR rises on Nov. 23, 2009, I can assume the minimum due also will. I can afford to pay my monthly minimum of $300.00, but any increase in that, the hardship will be devastating.

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    Reviewed Sept. 16, 2009

    I opened an HSBC credit card in 2007 to take advantage of a balance transfer offer and low fixed APR of 8.9%. I completed paying off the balance in full in March 2009. I never made a late payment. I received a letter from HSBC Bank on September 8, 2009, that my account was closed due to a lack of activity. This will damage my credit score and if I knew they would do this, I would have never even opened the card in the first place. I attempted to correct the situation but HSBC insisted that they can elect to close an account if there are no charges in 3 months. This is deplorable business tactics and I am sure that HSBC is adversely affecting other customers like me who have stellar credit and did nothing to bring this upon them. Any assistance is greatly appreciated. Thank you in advance.

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    Reviewed Aug. 26, 2009

    On May 30, 2009, an unauthorized charge was made on my GM credit card by Edith ** on the merchant's website Taca.com in the amount of $666.50. I had set up the account such that on any amount that was over $150, there would have to be a notification of the charge and I would have to be contacted for verification and approval. The GM card had one of their representatives contact me via the telephone to verify the charge. This call took place on May 31, 2009. During the course of that conversation, I stated that the charge was not to be authorized and the representative cancelled the account such that no further charges could be placed. I was mailed a dispute form that I completed stating one more time that the charge was not authorized. Today, August 25, 2009, I received a letter from HSBC stating that they (GM card) consider the charge to be valid and the matter as resolved. Somehow, the controls/notifications that I had in place failed as I clearly stated the charge was fraudulent and unauthorized.

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    Reviewed Aug. 24, 2009

    I am writing in regards to my past credit card account with HSBC. I canceled my HSBC credit card for the second time last month after receiving a statement showing a charge $59 for annual fee assessed and .50 cents for Account Secure Plus. I destroyed my card sometime ago and was not aware that it was still active. I called your company and spoke to a representative about the prior cancellation, and she assured me that she would take care of the cancellation and the charge for the account. It shocked me to receive another statement with the same $59.50 charge and now a late fee of $30, a $1 finance charge, and .76 cents for Account Secure Plus. This is either a mistake or it is an attempt at fraud. Please reconcile this error and cease inconveniencing me with questionable billing practices. Thank you.

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    Reviewed Aug. 19, 2009

    They are holding a lien release to a vehicle that I paid off almost 3 years ago and they will not release it to me. They can't even prove/provide me with info/billing statement that I still owe on it according to them. I cannot sell the vehicle.

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    Reviewed Aug. 17, 2009

    Last month my dau called me and said that the credit card account was frozen because of non-payment. I received an online alert to make a payment, but also I still receive an hard-copy through US mail. So, it will let me know when to pay it before the due date. My dau called the HSBC rep and was put on the spot to pay it over the phone. At the time I did not notice that I received a statement through the mail, but I noticed that I did not receive a hard-copy again and I over-looked it on the web. Now I am stuck with another late payment fee again. I emailed HSBC yesterday and I am waiting for their response. I told them I did not authorize to stop hard-copy statements coming to me via US mail. So, I am not too happy.

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    Reviewed Aug. 11, 2009

    Having credit card with HSBC bank, I purchased the ticket from a travel agency and paid the sum of Rs7,400 but there is no communication through mail or post to our address and even though we paid the total outstanding debt, they charged double the amount. Now, they want us to pay Rs10,000 more amount for credit card debt. So please look into the matter to resolve our issue.

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    Reviewed Aug. 7, 2009

    HSBC Card Services, Inc. reported falsely negative items on our credit report. They tried to say that we were 60-plus days past due! I could not believe it. It dropped our credit score from a 650 way down to a 576! Any suggestions?

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    Reviewed July 18, 2009

    I am being charged 24.99 percent interest for my credit card. I had no idea it had gone this high and after seeing what the interest rate was, I called and asked if there could be a lowering of the interest as I was trying to pay as much as I could, but almost half of my payment went to the interest. They said they could not offer me a lower interest rate at this time, to call back and then transferred me to what the man said was another part of their agency, another department. But it was a consumer credit agency that I had to pay to get the interest lowered. This is horrible. I have been making my payments regularly and have not been behind and they are just cutting my throat without helping me. I called 18003797999 and no one would help me. We need to curb these credit cards. They are wiping people out and making a mint in the process.

    I will never be able to pay back this credit card since the interest is eating up close to half my payment at 24.99 percent. There is no other way for me to get this debt paid off and they are not willing to even work with me. This is extremely stressful at this time with the way the economy is. We have 4 boys in college and a youngster in grammar school. We are trying to get by, trying to make ends meet and these credit card companies must be stopped!

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    Reviewed July 17, 2009

    In October 2008, I received a credit card offer from HSBC Card Services Inc. This was for the Teamster Privilege Credit Card. I activated the card and in January 2009, the credit card was cancelled for "inactivity". Since many banks at that time were cancelling credit cards to reduce debt in the bad economy or to lower the line of credit to the cardholders, I figured that was the underlying reason. I was told I could reapply. I reapplied in February 2009. I received a new card with a lower line of credit. In July 2009, I was again cancelled for "inactivity". I then called to find out why they continually cancelled my card and I specifically asked "was the card cancelled because I haven't bought anything with it?" I was told yes. The representative did, however, say she could reactivate the credit card account and they would send me a new card. She urged me to use the card within 72 hours of activating it. At this point, I told her to leave the account closed and ended the conversation.

    While no harm was done to me, I question the legality of such practices. I thought I was being careful not to accrue bad debt by using my credit line carefully, but it seems HSBC just wants me to spend, spend, spend. What would happen if I overspent or maxed out the limit on the card and couldn't pay? It just seems wrong to extend a line of credit and force people to use it immediately or lose it. Is this not a bad lending practice? I think people should be aware of lenders like this. I contacted Consumer Affairs since I'm unaware of another organization that handles credit card affairs.

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    Reviewed July 14, 2009

    I am seeing red! I have been paying for Account Protection Plus on my MC credit card account since March of 2007. I was recently fired from my job and applied to HSBC for the freeze on my account. I was told I need to fill out a claim form (which I did) and to bring my balance down to the credit limit, which was $880. I paid $254.01 online to comply. On my next statement, I was again pushed over the limit because the next Account Protection fee was charged plus an over the limit charge (which makes me furious!) of $39.00. To add insult to injury, I received a letter today stating that my request to activate my account protection plan has been denied saying I don't receive unemployment benefits and that I didn't work for 30 hours a week. What a joke!

    I work 24/7 as an adult foster care provider to a mentally challenged adult in my home and was considered by my employer as a contractor therefore, I can't draw unemployment because the company does not pay into it. Adult foster care falls under the IRS 131 Code so taxes are not paid and no benefits are included. I have proof of earnings, hours worked, etc. and do not recall this being explained to me at the time of enrollment because I would have never signed up. When I said I wanted all the money I have paid into this account refunded plus the over the limit fee returned to my account, they said that wasn't possible. I am extremely angry right now. I feel that I've been robbed and paying for something for the past 28 months that is of no benefit to me. Please, can you help?

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    Reviewed July 10, 2009

    We are trying to get the credit card paid off by paying monthly but they charged $59 for annual assessed fee which made the balance go back up! Please tell HSBC that it is unreasonable to charge that high and to reconsider what is fair and reasonable. President Obama does not support their high fee.

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    Reviewed July 8, 2009

    I received my 6/21/09, payment due 7/16/09, statement for my Household Bank Visa Platinum card (I, by choice, carry a low credit limit of only $600). The statement indicates that my limit is $600 but when I went to their website to make my payment, I found that my credit limit had been reduced to $300. I have not been notified that they planned on lowering my limit. I contacted their customer care department by email requesting information regarding this. This was their response: "We can certainly understand your concern regarding the credit limit decrease. Please note that this change was made based on a business decision to re-evaluate our current credit limit structure to reduce our losses across all accounts and have adjusted your credit limit. Your rewards are not affected by this change. Please refer to the program rules for more information regarding your rewards. You are important to us and we appreciate your business."

    I have never been late or missed a payment, nor have I ever exceeded my credit limit. I would have liked some kind of notice, preferably 30 days, to make adjustments for this change in the limit on my card. I keep this card for emergencies, and I have been using this card for co-payments on needed medical treatments. If I had not seen the lowered limit when paying my bill, I would have exceeded my limit and then been slapped with all of their outrageous and financially crippling charges. I feel it was not ethical that they lowered my limit without notification, written or otherwise.

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    Reviewed June 30, 2009

    I think venting about our experiences is therapeutic, but resolution is what I'm seeking. How do we protect ourselves from these giant squids with enormous tentacles? 5 of the 6 credit card companies that I have accounts with have provided a hardship program that reflects the name of the program. HSBC has lost their ever loving minds. Their program is for 6 months only, they are not willing to lower the interest rate and the initial payment to start the program starts at $157 and goes up form there. Oh yeah, only if you're able to make the initial payment. Right now, can you even start the program? May the money gods curse your business and bring it to its knees.

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    Reviewed June 7, 2009

    I received a pre-approved invitation for a credit card from HSBC for 0% interest with a $99.00 fee. I agreed and borrowed $10k at 0%. They added the $99 fee and notified me that the first payment would be $99 and would decline monthly as the balance was paid down (basically 1% of the monthly balance as it declines, $98 second month, etc.). I made the first payment and set up a monthly $100 payment so it would be easy and above each monthly payment. Third month, their computer did not take the payment until the day after it was due, resulting in a late fee of $39. Since this was their mistake, I called HSBC and they agreed to remove the late fee. They deducted the late fee, but forgot to tell the computer. So the next month, it still showed me as late and therefore another late fee and then it raised the rate to 31.99%.

    I then called HSBC and explained that since it was their mistake, I would like for them to reset the rate and remove the late fee. Wrong! They removed the late fee but kept the rate at 31.99%. What a sham! They are in this for the outrageous interest rates. I have a FICO credit score of over 800 and have never paid anything even resembling a 30% plus rate. I have written them a letter stating they will never see any money from me on the remaining balance unless the terms are restored and they guarantee in writing that this will not impact my credit score. Wish me luck. Let's all stand up against these irresponsible terms from shady lenders.

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    Reviewed June 3, 2009

    This is regarding the issue of a new HSBC Plus debit card. I had requested a new card to be delivered at my new address in India on the 20th of March. Then 7-10 working days were advised, and it was to be delivered to the nearest HSBC. After a month's time waiting for the call from the branch in India, it never came as I was promised on the call. I checked it myself, and it was not there.

    On the 26th of April, I put a new complaint; and then I got to know the card was delivered to my branch in UK. Again, a request was made on the 16th of May, and then it was directed to the address of my residence in India. Thankfully, there was a call back informing me of the delivery of the new card and the old card was blocked. Again, on the 21st of May, I was told the same thing; and my address was confirmed.

    On the 22nd, again, a call and same issue. But people on call were way too bad at explaining the same thing again. Since then, I have not received the card as promised (4-6 working days). Today is the seventh. And when I called again, I was informed that because of bank holiday, it was delayed by a day and the card would be here any day. In the morning, on explaining my issue completely and protesting against the charges I pay for using HSBC Plus which I requested to be waived off, I was guaranteed for the removal of the same for the last 3 months. And it's almost 12 hours, and the same has not been showing in my ib account.

    A complaint regarding the same has already been made on the phone, and now, the charges were to be seen after 24 hours of the request. That was what I have been informed. I hope I get that when I wake up tomorrow. This is just to inform you about the quality of the service being given to people paying to be in Plus account.

    Shocking, the CC of this mail is being published on blogs and reputed sites and mailed to a couple of news agencies. I was also informed that India is a high-risk country, so you prefer not to send it to India. Well, I would tell you that with the reputation and scale of the bank, you could have had some customer satisfaction in mind and courier it than again posting it the second time. it would have just cost you a month's HSBC Plus account fee. Shame on using this bank. I'm hoping for a feedback and pay back for my unused services and international calls made to you, chasing my card even after paying my charges.

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    Reviewed May 29, 2009

    In Oct. 2008, I had missed a payment. I made a double payment the following month when I received a phone call and paid $15 to do so. I receive my statements online and therefore do not review them (my mistake). Today, I went over a statement and noticed I was being charged 31.99% interest because I missed a payment in Oct. I have had this card since 2007. I have only missed 2 payments in the time I have had this card. I was told the late fee I was being charged would be removed if I made a payment by phone this month (May). I made the payment and was still charged $15 phone fee and $35 for late fee. I requested that they lower the interest rate so I could pay this card off and they refused. They claimed there was nothing they could do.

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    Reviewed May 28, 2009

    My credit card payment was four days past due. For the past four days, I have been receiving more than 10 calls a day from this phone number. I have been stressed, anxious and frustrated that they would call one person that many times a day.

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    Reviewed May 14, 2009

    I have received several calls, usually 5-6, from this number in a day's time. This has occurred everyday for several weeks now. I have asked this company not to call my telephone number twice. They continue to call after being asked very nicely not to call. I have an account with this company, but it is not in arrears. It is in my husband's name, Thomas **. This is an auto loan, not a credit card. I explained this to several different people when they called my house. I feel it is very rude on their part to ignore my requests not to call my telephone number, which is **. I do not own a credit card. I am beginning to get very upset with this matter. I am even considering filing legal action against this company. I would very much appreciate your help in this matter.

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    Reviewed May 10, 2009

    I made a payment arrangement with HSBC card services for a late payment on Friday, 5-8-09. They are still calling me at least 15-20 times a day. It's annoying and harassment. They disturb me at work, at home, driving, all day long!

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    Reviewed May 9, 2009

    My credit card rate was raised from 8.95% to 29.99% percent without warning. That's a 30% increase in the amount I have to pay down my account - a great strain on my budget!

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    Reviewed May 3, 2009

    I paid my complete balance off with HSBC in March of 2009. I had been going through some difficult times with a job loss but managed to make my payments before the thirty day late impact on my credit report. I paid the entire balance off at once and was assured by HSBC that it would read account closed by consumer on my credit report, not by credit grantor. They lied! I pulled my credit at saw that my HSBC account showed, closed by credit grantor. When I called to resolve this, they denied that they had ever said they would not put that on my personal report. This has caused my credit score to drop in a time when I am applying for student loans. I’m young and trying to work my way through school and this is only making it more difficult.

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    Reviewed May 1, 2009

    My hotel room was reserved with use of this card. However, I paid with my debt card from my current bank. Although Best Western did not complete the request for funds for this master card, HSBC charged my card. This difficulty has persisted since early 2009. Money was not released to the hotel, yet the fee for three nights was charged to my card. I've made numerous calls. The Best Western Hotel manager has faxed proof, etc., yet HSBC will not remove the fees from my card balance.

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    Reviewed April 21, 2009

    I have a Best Buy HSBC credit card. I never made a late payment or ever missed a payment. I had a $3,500. available credit line. Last week, I paid off in full my small balance on the card. Today, I went to Best Buy to purchase a new LCD TV but my credit card was denied. While I was in the store I called up HSBC. They stated that after I paid off my balance, they reviewed my credit and dropped my available balance to $350. This was done without my knowledge.

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    HSBC Credit Cards Company Information

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