HSBC Credit Card Review

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HSBC Credit Card
1.2 stars
Average rating for this product is: 1.2 out of 5

From 0 ratings and 30 reviews

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RedChloe's Review of HSBC Credit Card

15th Nov 2007

Overall Rating

0 stars
  • Value for money
    0 stars
  • Loyalty scheme
    No
  • Used card for
    1 year and over
  • Customer service
    0 stars
Good Points

Card is easy to get.


Bad Points

As I stated earlier, the card is easy to get but hard to get rid of.


General Comments

I have had 2 HSBC credit cards. The first I had for a couple of years until I canceled it and applied for a better deal on another HSBC credit card. I have had the 2nd card now for over 3 years. I called 2 weeks ago to cancel this credit card since I have others with better rates I now use. They said it was closed, but they haven't closed it yet. It now shows I have a 5.00 credit limit, and customer service told me that they don't know when they will actually close it. I decided to check on the card that we canceled with them 3 years ago and IT IS STILL ACTIVE with a 5.00 credit limit. What a great thing to show up on your credit report. When I brought this problem to their attention they sent me a letter stating the old account from 3 years ago was now being closed BY THEM due to inactivity. So one more thing that looks great on a credit report is that HSBC decided to close my account, like I am a bad risk. I would not deal with HSBC again, and would suggest you not take the chance either. I'm sure there is a reason behind their keeping these cards active without customer knowledge and feel that someone of authority should check into this practice.

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