hsbc credit card reviews | Watch This Item.

Average Ratings
Customer service2.4/10 Based on 12 ratings
Value for Money2.6/10
Overall rating2.3/10
23% Recommended6 out of 26 Reviews
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26 Review Centre HSBC Credit Card Reviews

  • Full review by
    D12monkey
    on 18th Jun 2009


    User Rating : 0
    Respect : 0

    Good Points: Absolutely none.

    Bad Points: High interests rates, non-friendly service, despicable and shady dealings, scrupulus actions, unwaverying "corporate" policies designed to screw their customer base, harrassing phone calls over miniscule amounts, and the list can continue.

    General comments: Make a purchase through the HSBC Retail Services account in Jan of 06. Paid a horrific amount of interest at 18.9% for a "Recreational Vechicle." They decided to repo my "vehicle" over a $90 late payment when I've been making payments and was willing to make payments. They refused to let me pay the rest of the $90 and come-to-date and require a full payoff amount to receive the vehicle back. No service between the hours of 4pm and 8am make it more difficult to talk to them. And they refuse to help out their customers that are willing to make payments. Is this how you run a business? Prob more how you run a racket.
    D12monkey's review and ratings     | 145 words

  • Review by
    vixstermaescoot
    on 12th May 2009


    User Rating : 0
    Respect : 0

    I am practically lost for words... I have had my HSBC credit card for about 8 years or so - I opened the account with a 14.9% APR (which was pretty high back then). My main credit card purchases were with Captial One APR 6.9%. About four months ago they hiked my 14.9% APR to - can you beleive it - to 24.9%!!!! Outrageous. And I have just found out today - without any warning from them - that yet again its been upped to 27.9% APR!!! This is crazy. I just cant see how they have the power to in ...
    vixstermaescoot's full review     | 147 words

  • Review by
    pankajjaiswal10
    on 29th Apr 2009


    User Rating : 10
    Respect : 0

    HSBC Gold is just a great Credit Card. They provide very good credit limit. Also they offer a very great feature of Balance Transfer. There service and customer care is just perfect. I have been using this card for almost 2 years and the experience has been just wonderful !!!
    pankajjaiswal10's full review     | 71 words

  • Review by
    Guest.
    on 5th Oct 2008


    User Rating : 8
    Respect : 0

    My HSBC Credit Card was obtained when there was a 15 month 0% interest offer on purchases which is fine for what I wanted it for! It was easy to apply for and found it was a good acceptance rate. Uk based call centres - quick and easy to get through to. Although it was difficult to amend payment amount and I was unable to find out if there are any discounts when using the card.
    Guest's full review     | 74 words

  • Review by
    Guest.
    on 30th Sep 2008


    User Rating : 10
    Respect : 0

    It's a good card...I have no problems with it, I pay my bill every month in full and thats that. They don't give you the hard sell like some other companies can sometimes do.
    Guest's full review     | 59 words

  • Review by
    Guest.
    on 12th Aug 2008


    User Rating : 2
    Respect : 0

    HSBC Commercial card it does have a few good points such as the main support team are fairly easy to deal with and normally quite helpful. While I have no issues with HSBC as a bank don't use their commercial card unless you have a lot of spare time to be calling them every day to get payments cleared!
    Guest's full review     | 132 words

  • Review by
    abc007
    on 19th Jul 2008


    User Rating : 0
    Respect : 0

    Software and executive not updated. If any question is asked they put you on hold for at least 20 min then they give wrong information. Later their senior also does the same. When you ask for an explanation about any dispute they unable to solve the dispute. If they are wrong they try tohide it by offering bonus points as compensation but donot reverse the charges which are wrong. If you deny making the payment they the threathen you.
    abc007's full review     | 86 words

  • Review by
    Guest.
    on 17th May 2008


    User Rating : 8
    Respect : 0

    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 emergenc ...
    Guest's full review     | 283 words

  • Review by
    pittcity
    on 8th May 2008


    User Rating : 2
    Respect : 0

    My husband applied for a HSBC MAstercard for both of us as it had a )5 interest rate. He received a letter asking him to Phone them which he did. He was on the phone for 30 minutes and all they wanted was to see a copy of his last pay slip...fair enough we had this faxed from our local branch. Then we waited over a week for his card to arrive. There was no card for me so he phoned again. This resulted in us receiving a form. We filled this in and returned it. He then got another letter asking hi ...
    pittcity's full review     | 300 words

  • Review by
    Guest.
    on 15th Mar 2008


    User Rating : 1
    Respect : 0

    Other credit cards have an automated activation process. This one required sitting though a live person going through a very long script for monthly "protection" fees. The way they phrased it was they were signing me up now. Took saying no seven or eight times and finally saying I was hanging up. The HSBC credit card website has been non-functional since I activated the card. Can't log in, can't check balance, can't make payments. As far as I know, the website doesn't work at all...Calling to ...
    Guest's full review     | 165 words

  • Review by
    Guest.
    on 4th Mar 2008


    User Rating : 2
    Respect : 0

    One day I was coming back from Heathrow and we had to put some petrol. Unluckily ,I left my wallet at home and HSBC card was the only I had with me. How surprised and ashamed was i when I tired to pay £20 and the card was declined. My wife saved the day and paid the bill. Immediately after arrival i contacted HSBC and was informed that my after review of my account they decided to cancel my account. Strange as I used it often and I always paid all back. Also, when travelling in Europe I c ...
    Guest's full review     | 124 words

  • Review by
    Guest.
    on 16th Feb 2008


    User Rating : 0
    Respect : 0

    A few months ago we noticed a credit card in my wife's name had charges that seemed unfamiliar. This HSBC card included charges for AIG Insurance and Pro-Budget and Pro-Buyers... none of which she was familiar with. In researching this, we find that, basically, these are promoted by HSBC. Companies or representatives are allowed to call HSBC customers and set up an account (which is not fully clear... or even to someone else on the phone other than the cardholder) for which they will bill yo ...
    Guest's full review     | 146 words

  • Review by
    bendobbeck
    on 13th Jan 2008


    User Rating : 7
    Respect : 0

    I find the HSBC credit card aways available and they have prompt solutions. It's a great card to get back on track with.
    bendobbeck's full review     | 23 words

  • Review by
    chris1236
    on 15th Dec 2007


    User Rating : 0
    Respect : -1

    I am disabled and keep a few credit cards for EMERGENCY use, should a major medical issue come up. That HSBC card was one of them. I intend to post anywhere and everywhere I can about them, along with writing to my senators and the house banking committee. It won't change this terrible company any, but if I can keep ONE PERSON from doing business with this company it will be worth it.
    chris1236's full review     | 107 words | 1 comment added.

  • Review by
    RedChloe
    on 15th Nov 2007


    User Rating : 0
    Respect : 0

    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 o ...
    RedChloe's full review     | 244 words

  • Review by
    gvshah1978
    on 26th Oct 2007


    User Rating : 0
    Respect : 0

    After having banked and used credit card for nearly 2 years... I recently received a letter from HSBC that The Account review Team has decided to close all my banking facilities with hsbc, with 30 days notice and credit limit reduced to £500 with immediate effect and overdraft limit cancelled. I had never gone above my credit limit nor have incurred any charges... even my salary comes into hsbc account.. then too for no reason they want to close my hsbc relationship. Do not be surprise ...
    gvshah1978's full review     | 133 words

  • Review by
    copperhed80
    on 17th Sep 2007


    User Rating : 1
    Respect : 0

    The customer service with HSBC is basically non existant. Never have I been treated like such a number and so little like a customer. After banking and having a credit card with HSBC since 2005 - and never once being late on a payment - always making more than the payment, and even with a savings in their bank - when going to Australia last year I asked for a credit increase of £500 to cover any emergency expenses and was not given it. The interest is very high, and they seem to adjust ...
    copperhed80's full review     | 171 words

  • Review by
    dariachic02
    on 22nd May 2007


    User Rating : 0
    Respect : 0

    As someone with a good credit standing, I can't believe I ever even got this card. Drawn the initial 0% interest for one year on the card, I thought I would use it to offset some of my wedding costs. Unfortunately, it ended up costing me $130 extra!!! The customer service is incredibly unhelpful and rude, even insulting at times. After completing a payment, it was mysteriously returned a week later, with no explanation and blamed on first my bank, and then on me. This is after confirmation ...
    dariachic02's full review     | 226 words

  • Review by
    skintherapy
    on 16th Mar 2007


    User Rating : 0
    Respect : +1

    HSBC are all about charging outrageous credit card fees, and they offer terrible service. If I ran my business this way I would be out of business...If any company can give the CC industry a bad name, it would be HSBC. I hope people get smart and stop using credit cards, and even debit cards, so these companies can get the message that enough is enough. This is legalized loan sharking. We need to unite as consumers and make our voices heard, that we are not going to allow them to take advantage ...
    skintherapy's full review     | 133 words

  • Review by
    bml88 Rank: Staff Sergeant
    on 22nd Feb 2007


    User Rating : 2
    Respect : -1

    As a product this is not a good credit card, and if I can shake off my apathy I will change it - the only reason I have one is because it is very easy to manage online, as I have other banks accounts with HSBC. There is no loyalty points scheme and the interest rate is high. I would like to be rewarded for using it. I always pay of the balance, but if I did need the credit, there is no way I would use this card - there are so many better credit cards - go to a comparison site and check out t ...
    bml88's full review     | 208 words


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