HSBC credit card Reviews

What didn't I move? I had changed address, started receiving late fees. There was no statement. I tried to call. I was told the card was cancelled. This was after I was called again about my other card, that payments were due, that they had decreased my credit limit which would be in effect immediately. So now my limit was lower than what I owed. Now I had more late charges for being over the limit!

This account was paid in full in April 2008 well before the due date. I received a collection notice on 12/26/08 for $266.77 regarding this account. The best information I have been able to obtain, after multiple calls, is that there was a late fee charged in April. From then, interest charges and additional fees have been assessed. HSBC never sent me a statement after the account had been fully paid and no contact of any kind was made. Now this also appears on my credit report! My credit rating went from Outstanding to Weak! I have spent hours on the phone and the internet trying to obtain a statement from HSBC that shows I owe any payment. A letter of dispute has been submitted to the collections agency and I have disputed the negative marks against my credit. So far, I have invested over 18 hours trying to resolve this issue.

I got a call from HSBC Card Services and the guy I dealt with was horrible. I have been unemployed and unable to make payments to my card. He told me my mom should refinance their house, disconnect our cell phone and internet to pay for my credit and told me that there should be jobs in the area (as if I have not been looking). This guy treated me so bad that I started crying.

We got an HSBC credit card under fee waiver program which expired in early 2008. HSBC sent a new credit card, which was not under the Annual fee waiver program, without even asking us. In June, I called them up and asked them to cancel the new card which I never used. They said they will cancel the card and waive the annual charges which they have not done. Now they are saying the card is in closed state but has an outstanding balance of 11,000. The height of irony is that no one in HSBC was ready to own this issue when I called them up to find out the break-up of this amount but were quite religious in following up with us for paying the outstanding balance of 11,000.

I have always had a great credit score, never in my life been turned down for a credit card or new car or anything for that matter. But I made the mistake of underestimating the speed of the US mail. This made my payment to HSBC TWO DAYS LATE; yes, TWO DAYS. And after being a very reliable customer for many years they had the nerve to raise my interest rate from 6.9% to 30.90% (yes, 30.90%). I am a recently divorced 55-year-old lady who works full time to make ends meet. Well this will really mess up my budget. I will not be able to buy anything extra and may have to stop taking some of my medications because of this.

I got a credit card from HSBC Bank. The number is **. I never used this card for single time also. But unfortunately from the very first month I'm getting some bill in my credit card. I called customer care presenting the same problem before them. They told me it is a TATA AIG INSURANCE added to my account (about which I was just unaware of). So one of them told me all the credits that are in my credit card will be cancelled, and gave me a complaint number. The complaint number is **. But nothing cancelled during this period - called customer care many times but no solutions I got. I don't have any necessity to have your credit card. Just I wanted have a relationship with HSBC, which is global giant. But my experience is really bad during this period. I will never want to have any transaction with HSBC. Above all the poor customer care which I saw in HSBC it is really shameful for a Big bank like HSBC.

After being a good customer for well over five years, I recently discovered they raised my APR to 29.9% from 17.9!! I called and found out that I had 'missed' a payment which I clearly remember making for that billing period. I tried to find any transaction on my bank records for that amount, to no avail. I firmly believed they didn't process my payment so they could jack me. I called their customer service line and after trying to decipher what the rep. with limited English speaking skills said, I ascertained that they had some website issues during that time. Well, I am pretty sure my payment made it through the online process to the point I received confirmation and a conf. #. But they still stuck me with a late fee and a whopping new interest rate. Very, Very deceitful business practices. BEWARE!

I paid off the balance on the card on 8/20/2008. The account was updated to reflect a zero balance, with a credit of $24.99 from Victoria Secret. The following month I received a bill indicating the check was returned. A fee of $35 was charged. My account has 100 times the amount of the check. I called up the bank and I was told that check number 105 was never presented. I then got in touch with HSBC. A supervisor told me to fax in two months copies of my Bank statement. I went into the bank branch requested the information and had them faxed it directly from the bank to MCU. Once again at the branch I was told check number 105 was never presented.

I opened my account with HSBC Card Services with 0% on balance transfer for up to 12 months. I availed the balance transfer incentive and setup recurring monthly payments of certain amount in my Bank of America Checking Account. Suddenly, in April, I was told that my account is not current and that my payment was overdue while my account showed that the check was dispatched on time and delivered by the 8th calendar day of every month when the payment was due on the 13th calendar month. The Bank of America accurately shows me complete status of the monthly check dispatch and delivery and when the payment was made for each of my credit card and utility bills. I have never had any late payment issue with my recurring payments set up through Bank of America.

Rewards points disappeared. Some balance from nowhere about 21K showed up as my interest multiplier. My limit is nowhere near that. I just finally caught it (must have happened at merger time). I get non-stop calls to pay my bill since they overcharged me 200+ a month on bogus fees. My interest rate has been increased to 27.99%... ** highway robbery. I have had DMB for 10+ years and never had this sort of treatment. The extra 200+ that one month pushed me over the limit on debt, and now I am paying for it every week...

After having a credit card from HSBC for two years, never missing the payments and using it for books and necessary travel connected with my twins college education, I wrote down in my bill book (which I keep with me and pay on time religiously) that the card was due on the 15th instead of the 5th.

Due to a military deployment and divorce, my credit accounts fell behind 3 months. In an attempt to quickly resolve the situation, I entered into a 3rd party debt management program. HSBC accepted the payment proposal sent to them and have been receiving payments for 3 months via the 3rd party debt management program.

I am following the bank to settle down the amount in full,7 guys came in contact with me in last 6 months but nobody is capable to settle down. It is very shocking to have such an experience with a MNC Bank like HSBC. That for last 6 months, I am trying to contact HSBC authorities through 24 hr customer services / info / bucket manager at branch/ collection agent/ tele-collection dept. at Mumbai. But nobody is bothered / capable to sought out the case. A Case in which ,I am after the HSBC people to give me a full & final settlement letter & collect the the amount in one shot from me. It is clearly non-responsive attitude by the system, intentional delays, wrong commitments, intentional extra extraction of money . In all , it is unbearable.

As of 3-3-2008 I was fired from my job for Bully Boss reasons. At that point tried to activate my Account Protection Plus insurance. They wanted me to go to my employer and ask for proof. I had a letter from my X employers of my termination and sent all that plus my last check stub from employment. It took them several copies of the same thing for 4 months, in the process my account was charged repeatably for late and over limit fees because they dragged thier feet.

My husband and I purchased a lap top from CompUSA only to find out a month later that they were going out of business. I decided to pay my bill on-line and automatically put me on an electronic monthly billing system. We paid a huge lump sum of a $1,000 and did not receive any bills from them.

Well i have a lot of credit cards and when I receive the bill i pay them,well i never got my bill from hsbc mastercard for like 4 months but did not know this because i got a email from them saying i was over my limit,so i called them and said you never sent me the bill and their response was yes we did but its been getting sent back,after we confirmed my address i asked how could this be,i get all my other ones,he told me talk to the post office.

I had a store charge card from Younkers which, in the last year or so changed to HSBC. I obtained my Younkers charge with only $100 total limit. In less than a year I missed one payment which was 30 days overdue. In the meantime they had been calling me while I was not home and refusing to identify themselves to the other people I live with when asked which is a direct violation of the Fair Debt Collection Practices Act which, when explicitly asked, requires the individual calling to identify the entity they represent. Each time my roommates were told That's a private business matter by a rude individual. *69 and a back trace via Google found the number belonging to HSBC.

there are 2 issues . i recieved credit card from t hem one month ago since that time everyday 3 times a day & ont he weekends they make solicitous calls to my home disregarding my request over & over they stop the calls. i have spoken with supervisor & written on line .the calls dont stop . IT is terribley annoying. the 2nd is they charged me 45.00 to make a transfer of 1500.00 froma nother card i did not see hwere it said they would do that on the application. they now say it is in the fine print? thereis something askew with the integrity of this company

One of the problems I had with this credit card company is that this bank schedules their due date on a weekend day (Saturday or Sunday) and posts their payments on the following weekday. Example for June of 2008 their due date was June 1st a Sunday. I made my payment on the 31st of May one day earlier. They posted their payment on June 2nd and because they posted the payment the day after the due date they charged me a late fee of $15.00 dollars. I feel this is unethical. I called customer service and they were very rude to me. At this point I had been a Boscovs customer for over 10 years and never had an issue till they started doing business with this bank.

I received my statement from HSBC bank and it said I did not pay my last payment and I was hit with a late fee of $39.00. I called and spoke with Jessica and she stated that no payment shows on the account. I told her according to my bank records HSBC cashed the check of $130.00 on 6/6/08 and I gave her the confirmation number from my bank. I also stated this is not the first time that HSBC has tried to pull this with me. I told her this keeps happening every few months where they say they did not get the payment or they say they receive it late and try to jack up my interest rate and hit me with late fees and I have to constantly prove that it was paid on time.

A mailer/card was sent to me with a 0% interest rate for 9 months. I made the purchase between the required dates. On my first statement I was charged 14.24% interest instead of the 0%. I called 3 diferent times, spoke to managers, they reveresed the charge but continues charging new interest each month. They claim the 0% rate doesn't exist.

I am disputing what I owe on a credit card that I cut-up & returned to them over 5 yrs ago..they are calling at all hours, everyday, including Sat & Sun, and will not leave a message. I thought creditors could NOT call on week-ends or after 9:00 p.m.

I got behind on my house well i caught that up and saved the house but in the process my credit card got way behind while i tried to save the house which during our bad ice storm here my furnace went out and i had to have it repaired so i fell behind in all areas.Now ive tried to get hsbc to cooperate and i dont think they know what there doing .I tried for a hardship since i only get my deceased husband social security of 939.00 per month which the bills are pretty high here at the house so my out go is very high and i applied for a hardship and they said no you dont qualify but you can pay one month of 51.00 so i did and then got a letter saying today which my check and there letter have crossed so who knows what they will do with the check that i cant do that that they appreciate my efforts to pay but they have to have the whole balance at one timeI can pay 51.00 on it but there not willing to take it and they are very rude and uncaring .

may 2008 payment was sent on 15th posted on the 20th a day late, in june payment sent on 11th payment posted the 20th a day late.

HSBC Egypt, My Credit card was stolen but unfortunately I noticed this some hours later. The thief went shopping with my card in 5 different shops. The shops did not care about photo or signature and used my card. In my records, you will never find this kind of transactions in one day within arr. 3 hours. Now the bank refers to article 3.1 to make only me responsible for the whole amount of money.

Around xmas time and a couple of months later, everytime I send a payment to HSBC, they charge me a late fee and tell me that my payment was late. They claim as soon as they receive the payments they process them. They do not do this. I send my credit card payments to another creditor to the same city, and they get and process the payment in no more then 3 days. HSBC is telling me that they don't get the payments and they keep charging me late charges. This is crap, they are scaming consumers and I have had it with this Co. Someone needs to look at this ASAP

This company has, 2 or 3 times, held a payment or two to my credit card account after it was released from my banking account (paid). They call it a "payment hold". I call it, you got paid and my money is in the wind doing nothing. I see this as a form of robbery. I also feel it must somehow be illegal. Please analyze this practice as it does not seem fair to me, the consumer. I am short $199.00 in credit that I cannot spend. It was a scheduled payment made on 5/25/08 with another $100.00 on top of that!

To start, I went to get groceries, as I do every month, and used my credit card, as I always do to pay for them, and I was declined. Upon coming home I called the credit card company to ask why my card was declined. At that time I was notified that all my cards with that institution had the credit limits reduced to anywhere from $20 to $60 above the existing balance reducing my available credit by some $2,500. I had received no notice that this would take place as of the date I called the reduction had been place for some 5 days. As it stands now when they compound interest I will be over my credit limit and will incur charges for being over the limit.

I am a gold credit card holder of HSBC for the last seven months. I had very bad experience with HSBC customer care and service provided by them. 1. No transaction updating. 2. When I spoke to customer care, no satisfactory answer, just said we are updating now and you'll get informed of every transaction in the future but case remains same. 3. Finance charges without any specific reason. If any inquiry to customer care regarding finance charges then they only answer that you must have to pay. I asked to talk to any senior person and then they put me on hold for 30 mins waiting and in the end the call cuts out. These are some bad experience with HSBC credit customer care. If HSBC can't provide good service then I think there is no use for customer care in HSBC. I think there is no supervision on customer care in HSBC.

In May, 2007, I received a post card notice that the Annual % Rates and Periodic Rates on my HSBC Gold Mastercard would be increased on a billing cycle after July 1, 2007. The APRs went from already high Rates of 26.74% for Cash Advances and 22.74% for Purchases to 29.99% for both, a 3% increase for one and a 7% increase for the other! I do admit to having my balance on the card near my credit limit, especially since I put an $850 car repair on it. But I was making my payments on time, even if I had to make it by phone. There may (may) have been one that did arrive on the date due, but after their closing time of posting for that date. However, it took them 3 months in Nov.& Dec.2006 and Jan.2007 to enter my change of address, even once getting the number as 3919 and not the correct 3519.

I have this credit card for a year. Last year I paid my total balance and a hold was placed on my account. I called the company and asked why and was told that the payment was being processed and it could take 10-14 days before the hold would be released. I paid my balance in full again and once again a hold was placed on my account. My bank has processed the payment and when I call the company I get the run around. According to the company's web site a payment made on a Friday will be posted by Saturday. I made the payment on 2/1/2008 and still there is a hold on my account. When I called the company this morning the automative voice service stated that a payment had been received but still there is a hold. There is no reason for the hold other than to try to rack up finance charges. I could not use my card so I was unable to rent a car for a trip I was taking and was forced to cancel my trip. I have also paid $59.00 annual fee which I am out since I have closed my account with this company. I am very concerned with what this company may report credit agency.

I received a Platinum Pre-Qualified/Pre-screened credit card offer from Mastercard Requesting me to goto http://www.acceptourcard.com/mc which forwards you to a site giving you information stating it is from HSBC. When you finish filling the blanks to accept their card. First note the part where it said, PRE-SCREENED & PRE-AUTHORIZED with the fake printed signature of a man named STEVE BALLARD whom is to be MANAGER OF NEW ACCOUNTS. I finished the form and it came back with, You have been rejected for credit. It asked if I wanted to Print a Copy of the denial notice. Why send me this if it was denied? While reading the back side with the Fine Letters It states; OFFER IS VOID IN WI AND U.S. TERRITORIES. Why do people put up with this from HSBC or even do business with them?

I have an active credit card account with HHBC. I am on time, all the time, with my payments because I have a set up through my bank for an automatic payment every month. Well, Household Bank charged my account three days earlier than usual and then charged me a late fee--and then an over the limit fee--which escalated to over a hundred dollars. I made several attempts to call the 800 number given to me and every time was disconnected for some reason or other. So I e-mailed customer service my complaint and was sent back an automated e-mail that said I agreed to pay any late fees and extra charges!

I opened an account in August of 2007. I made two transfer payments upon receiving the card. Late September I went on-line to view my account as I had not received the initial bill. The account showed that I had a required payment of $26.00 due by 9/19. I had not received this bill and therefore was assessed a $39.00 late fee. I called this account to get the fee credited as I still had not received a bill by 9/26/00. They refused to waive the fee saying that my claim should be addressed to the US Post Office. Therefore, I cancelled the account, paid my balance ($1570.70) less the $39.00 late fee I refuse to pay. They now charged me $30.00 per month for not paying a charge they gave me without ever billing me. In addition they call my home 3-4 times per week for payment.

I have been a Gold Card holder since 2003 with HSBC. I have never been late on a payment, never gone over the limit, have paid my account in full several times with balances in the thousands, and always pay far more than the minimum payment. I just received a notice of change of terms that my account is closed for future purchases and my 14.99% interest rate for my prior balance will jump to 27.24% on Feb. 11, 2008. The reason stated is due to a statement from Equfax Credit, Inc. but no specific reason is given. I have had a reduced credit score from 647 to 633 in the last 3 months. I receive a report every quarter from CreditInform via email, and a hard copy in the mail, which I just received last week, so this information is current.

I mistakenly accepted an Orchard Bank credit card from HSBC card services. The gave me a $300 limit to assist in reestablishing my credit. Well they are ruining my credit and that is without me even getting a real chance to use it.

I had a bill due on the 12th of the month. I was a few days late, but paid on the internet. As I was reviewing my statement I saw they charged me $30 late charge on the 12th of the month. I called them concerning this, the said they had no grace period, but I explained to them if there was no grace period my late charge of $30 should have shown on the 13th, not the same day the bill was due. Basically there was nothing they could do quote Its how the system works. I feel this is totally unfair that they are only trying to make money off the consumer.

We had opened a new credit card with Chase (1-800-945-2000), they sent out a check to pay off our Direct Rewards credit card with HSBC card services. This check was cashed on 9-19-06. HSBC said they never recieved that payment from Chase. We contacted Chase to let them know what was going on. They did an investigation, and faxed HSBC on November 2nd showing proof of the pay off. When we called HSBC they stated they did not recieve a fax from Chase. We have now late fees on our HSBC card and are paying on two credit cards.

I have had a HSBC/GM Card for over 20 years and have never been late with a payment. Most of the time I pay larger than minimum and have paid off the account many times over the last 20 years to a 0 balance. About 10 years ago I transferred my balance from this card to another card of about $10,000. GM called me and told me if I'd transfer it back, they'd give me a lifetime rate of 7.99%. I agreed.

RAISED my intrest rate from 18% to 29.99 % with no reason, I pay my bill on time and never late! That way I NEVER can pay off my account.