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“What a hassle... HSBC not worth anything they offer”

written by on 30/07/2012

Have had my card for many years and initially had no problems... I pay my bill off every month in amounts ranging from $100 to $5,000 so didn't care that the interest rate was high after the initial teaser. Then they started declining when we made purchases out of state... try explaining to someone who barely speaks English you are on vacation and would like to still use your card. I regularly make on-line purchases from another country, just one site. They consistently declined this even when I called and warned them it was coming. Try talking to a real person... it will take 20 minutes and then they will transfer you somewhere and you will be lost. I kept the card because had nearly 70,000 points and was aiming for flights for two to paradise. I had been getting obnoxious sales calls from "credit card services" offering to lower my interest rates for a charge... had no idea how they got my cell number and why they ignored my no contact listing and were calling 5-10 times a month. When I changed my number the calls stopped and started again only after I changed my HSBC contact info. I called and asked if they could lower my interest rate just so the calls would stop... sorry mam, 24% is the best we can do for you. I have immaculate credit. So I decided it was time to get out of this card... web site to get rewards was down for over 2 weeks... spent nearly an hour several times trying to get to the rewards department... no luck... just repeatedly shuffled from wrong person to wrong person. So finally its up and I try to get tickets. Very limited expensive flights available and a $50 per flight charge for using points to buy tickets. Yeah so I end up with gift cards to Home Depot. So sorry I endured the hassle... wasn't worth it.