HSBC Credit Card Review

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HSBC Credit Card
1.1 stars
Average rating for this product is: 1.1 out of 5

From 0 ratings and 32 reviews

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Guest's Review of HSBC Credit Card

17th May 2008

Overall Rating

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

HSBC and its employees focus on customer service.


Bad Points

none


General Comments

HSBC Credit Card do have call centers in other countries, but they also have call centers in English speaking countries. If you call in and the person doesn't speak English, why don't you just hang up and try back? I'm sure they wouldn't want to talk to someone who is frustrated and can't understand them either.

Also - I believe the outbound telemarketing agreement is part of the cardholders agreement you get when you apply for the card.

It doesn't help your credit to use cards for emergencies only. You need to keep a balance on the card and make regular payments. If you don't use your card, the company has a right to close the account. It's not supposed to just sit in your wallet you are supposed to use it. They will also close your account if you miss payments or go over the limit, rightfully so. Even one missed payment can cause this. When you open your card your credit score determines how much risk you are to them and they will do what they need to in order to reduce risk.

These are unsecured loans. If you decide not to pay, they can't come take your car or home from you. The only recourse they have is these aggressive policies.

They have a lot of customers and you have to understand it is not their responsibility to double check everything for you. If you care about your credit stay on top of it!

HSBC is a great bank to do business with. They care about their customers! There is a reason they are the number one bank in the world.

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