HSBC Credit Card Reviews
Latest Reviews
★☆☆☆☆
Written on: 09/05/2012
“worst service ever”
I ran into trouble paying bills and fell a few months behind. I got a job and called them and they asked me to schedule 3 automatic payments over the next three months to get caught up, which I did. The didn't specify that these were additional payments to go with the regular ones, and it made no difference to them when I did get caught up, they still kept my card in suspension, so the automatic payments were for their convenience only. I did everything they asked and then they left me hanging....
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★☆☆☆☆
Written on: 09/05/2012
“Have no idea what they are doing!!!”
I have a motorcycle financed through this company. I moved out of state and needed to re-register my vehicle. I visited the local DMV who requested the lien holder fax a form to DMV showing proof of lien and ownership. This is how many times I have contacted HSBC and problem still not resolved and now previous state is sending me to collections because I cannot resolved issue: 1) On phone 45min+ request proof needs to be sent to me. Take 20 minutes to explain I do not need title, as I know I am...
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★☆☆☆☆
Written on: 08/05/2012
“I cut the card and divorsed Best Buy too”
I read the brochure the of my purchase and when the first bill came in the mail. They stated the grace period. I set up to have my bank pay them close to their due date and well within the grace period I read on the brochure. Each month, they billed me an added 25.00 late charge and .12 interest. They told me I have some type of account with them that has no grace period; a first in my 56 years of life. No matter what they say, this is nothing short of stealing from me. I've cut the card, thrown...
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★☆☆☆☆
Written on: 27/04/2012
“shady business practices”
A little background first... I have a 720 credit score and I have had this HSBC card for 2 years. I have never been late! I made a payment on 3/29 On 4/3 I was notified the payment was returned b/c the account was closed (which is true, because I had to close it when my purse/debit card was stolen), so I immediately went onto my account and updated the information and made the payment on the same day I received that email. Well, come to find out, they charged me a late fee of $25 and assessed all...
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★☆☆☆☆
Written on: 13/04/2012
“Horrible to work with”
I have been a great customer since 2007. I have never been late on a payment since 2007. I use the card and pay off the balance completely that month. This is not what HSBC wants from their customers. They want their customers to get into debt and stay in debt. They recently switched me to a new account due to a buy out or something. All of the communications from them were incredibly confusing and I made sure that my understanding was that I could still log in using same log in information as I...
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★☆☆☆☆
Written on: 07/04/2012
“They lie”
Claiming no interest or fees, never sending a bill, then a year latter charging me interest on a "no interest" account and late fees. Their courteous operators hung up on me because I asked them to speak slower. After getting one who would speak to me, I was told I had no recourse. But I did; I turned them into the BBB. ...
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★☆☆☆☆
Written on: 06/04/2012
“Credit Card”
This credit card,sucks.You call customer services and it's in India and take forever...
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★☆☆☆☆
Written on: 28/03/2012
“Avoid this company. The Worst.”
avoid this company like the plague. they ask for your business and don't tell you their is an annual fee. and when you have an issue, you must speak with a foreign customer service representative whose english is very difficult to understand. i could only decipher about 50% of what was said to me. When i chose not to pay the $35 fee, they dinged my credit for a 30-day late payment, then dinged it again for a 60-day late payment. my credit score dropped 100 points. i had to retain a lawyer to get...
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★☆☆☆☆
Written on: 15/03/2012
“STAY AWAY FROM HSBC. THEY WILL FIND A WAY TO SCAM YOU.”
I got an HSBC credit card from Best Buy. I set up auto pay online so that I wouldn't have to worry about making the payments. I set it up to pay ten days before the payment date. The first two payments went fine and then after that who knows what they did!! HSBC started to just randomly withdraw money from my account. There were several months where they would withdraw the payment twice within the month. They were adding late charges and interest charges when there was supposed to be no interest...
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★☆☆☆☆
Written on: 06/03/2012
“Just aweful!”
They applied payments late to my account, and were unwilling to adjust them despite multiple phone calls and dispute letters. The payments were made directly by ING to HSBC, just happened to be the last three payments in a 3 year period to avoid finance charges and the payments had been consistently applied on time for the 3 years. Despite evidence from ING that the payments were sent on time, HSBC managers were unwilling to credit the finance charges on the account. They will never have another...
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Showing 1 - 10 of 87 Reviews
★☆☆☆☆
Written on: 06/03/2012
“how dare you?”
how dare you sending me billing statement for membership w/c was not informed to me the time i applied for the said credit card?! i paid for it anyway but i was told that it Should BE WAIVED & THAT IS SUPPOSED TO BE THE ANNUAL FEE. how am i going to retrieve my money? so i am instructing you not to bill me anymore for the annual fee. i have paid it in advance anyway! cant u imagine? billing me & yet my credit card has even not yet been activated?? i have applied for the card for my assistance not...
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★☆☆☆☆
Written on: 24/12/2011
“TOTAL GRIEF/CANCELED CARD”
Chase and citi bank are much better choices. I canceled my GM card w/HSBC and went with the GM Card from Chase. I'm a happy camper now....
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★☆☆☆☆
Written on: 23/12/2011
“GMBinAlabama”
Horrible. Got thru 0 interest at Best Buy. Made 3 separate purchases. Paid 3X min monthly payment every mo. Hsbc applied in way that caused 1st purchase to go past deadline. When I realized, they referred to very fine print. Charged all back interest and reported to credit bureau within days. charged >20% rate. Over $1k! Best Buy and BestBuy customers...go elsewhere! I think it's criminal!...
Read full reviewGuest's response to GMBinAlabama's Review
Written on: 16/02/2012
I HAD THE SAME TYPE OF THING HAPPEN TO ME TOO. I WAS CHARGED ALL INTEREST OVER $1000 TOO. SHAME ON YOU BEST BUY AND HSBC IS NOT AN AMERICAN BANK COMPANY. BLACK BALL THEM.
★★★★★
Written on: 22/11/2011
“spot on!”
no problems with hsbc, i pay my balance in full each month, no problem changing the payment date, never been charged interest as i only use this card for day to day purchases. customer service was fine when i rung up to change my payment date, only reason i can think that people would complain is that they can't afford to pay their balance. which is no fault of hsbc!...
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★☆☆☆☆
Written on: 12/11/2011
“WORST CARD TO HAVE, AVOID THEM !!!”
I HAVE BEEN WITH HSBC FOR 4 YEARS, MADE EVERY PAYMENT ON TIME, NEVER MISSED A PAYMENT, THEY CAN BE SLOW TO REPORT THE GOOD PAYMENT HISTORY ON MY CREDIT. ONE DAY LAST MONTH I MOVED TO A NEW ADDRESS, WITH ALL THE CONFUSION I MISSED A $16 PAYMENT AND TOOK THESE IDIOTS VERY LITTLE TIME TO REPORT THE DELINQUENCY ON MY CREDIT REPORT. WE WORK SO HARD TO MAINTAIN GOOD CREDIT RATING ONLY TO HAVE THESE IDOTS LIKE THIS IN AN INSTANT REPORT A DELINQUENT PAYMENT. I CALLED SPOKE WITH A SUPERVISOR AND NOTFIED...
Read full reviewGuest's response to Guest's Review
Written on: 04/01/2012
you a liar, cause you would have to be more then thirty days past due for them to report you. clearly you were, im sure they have people who had account theres for 30 years, wanna know why there info is not delquent cause they notify there banks of a address change. idiot. min payment 16 dollars but im sure your balance was alot higher.
★☆☆☆☆
Written on: 25/10/2011
“Awful card and customer service”
They will NEVER change a payment due date if requested. They will decrease your credit limit. All foreign customer svc reps. Can't understand them and they have NO customer service skills. ...
Read full reviewOregon1Review's response to MadAsHell2011's Review
Written on: 04/01/2012
they decrease your creditlimit when you have bad credit, thats saying something about you, not them, im sure foreign reps dont go through credit limit decreases
★☆☆☆☆
Written on: 05/10/2011
“Worst credit card company”
This company has been nothing but a nightmare. Opened up this card through a jewelry store and has been loyal. I did one return and called them to get my refund back as I already paid it off before I decided to return the item. I did my refund in august and I still haven't received my refund check. It's been 2 months!!! Called them numerous times but every time it's a different story about how long it takes..this is getting ridiculous. Wish I can sue them...If i could have my choice, it should have...
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★★★★★
Written on: 26/09/2011
“What do people honestly expect???”
I have had this credit card with HSBC for over a year now. I originally took it out as a back up regarding a holiday that i was going on in June 2010 and with it came 3 months 0% on purchases. I did end up using it, not for the purpose that i got it however and have used it nearly every month since. It enables me to make purchases if i do not have enough money in my current account, i can see how much i have spent online so i know what needs to be paid back, i get monthly statements telling me how...
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★☆☆☆☆
Written on: 24/09/2011
“I have put 1 Star since negative Stars are not available”
I have had this card for many years, never knew how bad it was since I never really use it for much. It was I guess a fall back card that luckily was never needed. The limit was low, my credit is fairly decent. Not the best credit, good enough to have an American Express card but I use very sparingly. I asked to have this card limit updated or that I would cancel, I received an email reply back saying, "we are sorry your are closing your account with us". Huh? This card reminds me of those commercials...
Read full reviewGuest's response to tC123's Review
Written on: 26/09/2011
Thats what you get for false threats lol. you wanted them to increase your limit 'or else' and they simply called your bluff OMG thats funny.
Ideadiva's response to tC123's Review
Written on: 28/03/2012
exactly what i thought. we need a 'negative star'
★☆☆☆☆
Written on: 10/09/2011
“Marketing scheme, couldn't talk to credit card rep”
I applied online for an HSBC credit card for the 12 months, no interest plan after I agreed to purchase a back-ordered item from Musicians Friend, at a cost of almost $3,700. When I applied for the card, it set a credit limit for only $3,000. I called Musicians Friend and they gave me a number for HSBC to call and ask for a higher limit. But when I called the number the first time, a recording told me to call a 1-900 number and that it would cost $1.99. I called back, thinking I had misdialed (more...
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Showing 11 - 20 of 87 Reviews
★☆☆☆☆
Written on: 14/08/2011
“Another credit card company”
If you need to fix your credit, don't get a credit card. Like any credit card company, if you're late with your payment you will have to pay late fees. You will get phone calls left and right if you're a day late. That should be expected. They want their money. I don't mind going through that. This is what you will get if you cannot pay off your credit card. This company has the worst employees. I am in the service industry, and I understand that an employee getting paid commission does not want...
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★☆☆☆☆
Written on: 25/07/2011
“HAD THREE ACCOUNTS WITH HSBC, ALL HAVE BEEN BAD”
CARD #1: So the First card I got with them was a Master Card in Sept 2006. It was great I was trying to repair my credit after defaulting on my student loans (learned my lesson with that and I preach it to everyone, pay or call if you can’t make the payment) because I couldn’t afford the payments on my salary. Yeah I wasn’t making the grocery bills either. It was food or student loans I choose to eat and live to work to some day pay them. SORRY! Back to HSBC, so they give me a card with a...
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★☆☆☆☆
Written on: 16/06/2011
“OMG”
I've always wanting to be loyal to whoever give me "credit".... but HONESTLY HSBC Credit card sucks!! don't know how to express my frustration now! I'm traveling in 2 days, June 4th, i called the customer service cuz my card was lost. i though given that they said within 10 days, the new credit card will be here, i thought it should be enough time before i travel. During the reporting lost, the guy who answered the phone doesn't seem to understand what i was saying. Can't find my file, and after...
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★☆☆☆☆
Written on: 09/04/2011
“Have used this card over three years, all good record...”
Have used this card over three years, all good record and never delay any payment, always paid in full balance. Had one addition card for my girlfriend and whenever ask for credit limit increase, got approved within 24 hours. Suddently, without any notice, my account got cancelled. I talked to credit card centre, they said its the branch did. I talked to the branch, they told me they never did and its the centre's responsiblity. I have been kicked between them for almost two weeks and even talked...
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★☆☆☆☆
Written on: 07/04/2011
“I paid my credit card bill from my HSBC bank account...”
I paid my credit card bill from my HSBC bank account early on the 4th of April 2011. My account said the amount would be paid in 2 hours. As the payment was not due until the 5th and my card is with the same bank, I would have expected it to be credited by then. Surely this is down to the multi billion pound organisastion HSBC, or is it just a way of a greedy financial glutton bleeding more out of the poor. ...
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★☆☆☆☆
Written on: 05/04/2011
“I was checking my bank statement and notice a pay by...”
I was checking my bank statement and notice a pay by phone transaction from HBSC that was not authorized by me. When I called customer service, they told me that they received a payment by phone on 4/1/11. How can that be I sent a check in on 3/24/11. Why would I turn around and do a payment by phone knowing they charge $15 for that. I then looked at my contact info. On it as my home number was my ex-mother-in-laws number!! I have not had any dealings with my ex or his family (I cannot stand these...
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★☆☆☆☆
Written on: 04/04/2011
“I have been with HSBC for years, and they are without...”
I have been with HSBC for years, and they are without doubt the worst company to deal with, I have ever come across. When my last credit card expired, I had to wait nearly 5 months to get the new one which I could not activate. After complaints, e-mails and phone calls, I still cannot activate it. Excuses I have been given are 'we have a new system', and your security details have been inputted incorrectly. Are these problems fixed, absolutely not, because they haven't the faintest idea about what...
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★☆☆☆☆
Written on: 08/03/2011
“Bottom line is DON'T USE THIS CARD OR COMPANY. Their...”
Bottom line is DON'T USE THIS CARD OR COMPANY. Their 5% cash back isn't worth it because they will find a way to get that money from you. That's all you need to know, but I'm going to vent a bit further if you're interested. I was a customer for 5 years. I put up with the terrible customer service because they had a card that was offering 5% cash back on gas, groceries, and restaurants. The service has been even worse over the past few months, and the savings are not worth it. Customer service...
Read full reviewGuest's response to Guest's Review
Written on: 23/07/2011
I was logging onto their website to accept the offer when I decided on a whim to google 'HSBC credit card happy?'
And this was the third online review I read.
Thank you!! Sick of terrible companies, I'll stick with who I'm with.
And grateful you took the time to post your opinion.
★☆☆☆☆
Written on: 21/02/2011
“Oh plese dont ever get into business these guys. I say...”
Oh plese dont ever get into business these guys. I say this being a software engineer who is into credit card technology and have worked with HSBC software unit. Total mess!! Am being very unbiased here. Their customer service is horrible. They make a big deal of every little thing. There have been time when i have been put on hold for ove 20 minutes.. and they dont co-operate . there is no co ordination between their diff units. Ref. no follow ups are only for name sake most of the times. They...
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★☆☆☆☆
Written on: 14/02/2011
“This is the worst credit card company you can ever...”
This is the worst credit card company you can ever obtain credit with. Do yourself a favor and seek other services. THEY SUCK BIGTIME..and RIP YOU OFF..go up on fees, charge you over the limit fees even when it's over less than a dollar and WILL NOT WORK WITH YOU TO PAY IT OFF or make payments if you ever loose your JOB... I give them a big fat zero!! ...
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Showing 21 - 30 of 87 Reviews
★☆☆☆☆
Written on: 20/12/2010
“This is the WORST credit card ever. As much as I've...”
This is the WORST credit card ever. As much as I've asked, they won't budge with the APR rate they charge (21.82%). The economy gets worse and they keep you paying higher rates. I finally paid the card in full [or so I thought, because I found out they received it a day late and charged me an interest rate of $40.00 for the day in addition to a late fee $25.00 plus another $1.00 for I don't know what]. It's a vicious cycle. They do everything they can to keep you paying. I asked them to waive the...
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★☆☆☆☆
Written on: 16/11/2010
“Got a "Cash or Fly" card but they accidentally...”
Got a "Cash or Fly" card but they accidentally registered it in the "Cashback" only reward program. As a result I could not use my rewards on any other things that cashback (no flight tickets, etc.) Very, very bad customer service that 1. Bounced me from people to people, with me having to explain the problem from the beginning every time (5 times in 1 call) 2. No solution offered. A lady actually told me "well you can try sending a letter to customer service but it will probably fail". Thank...
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★☆☆☆☆
Written on: 14/11/2010
“Horrible experience with HSBC credit card. They...”
Horrible experience with HSBC credit card. They promise credit card with no annual charges and then keep sending statements charging annual fees. Not only they refuse to cancel the card before settling the charges, their customer card people are absolutely rude and talk rubbish. No credibility of HSBC. ...
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★☆☆☆☆
Written on: 13/11/2010
“We were loyal card holders for over 8 years, even...”
We were loyal card holders for over 8 years, even though there was an annual fee and no rewards. We never carried a monthly balance. A few months ago our credit card was stolen. Someone spent $400 with the card. We reported this to HSBC customer services. They cancelled the card, but never acknowledged that we didn't spend that money and never refunded our loss. They just told us, that if we wanted a refund from them we had to take this case to court. You can't trust this company. Credit card numbers...
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★☆☆☆☆
Written on: 28/10/2010
“The customer is absolutly rubish they didnt make note...”
The customer is absolutly rubish they didnt make note for the call and ask you to tell them everytime what you required. They are rude, dont have answer for your question. ...
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★☆☆☆☆
Written on: 07/10/2010
“I never had a problem w/ HSBC until David's Bridal...”
I never had a problem w/ HSBC until David's Bridal decided to shut down their account with them and switch to a new bank. Ever since then, their "recommended" mail-in date of 7-10 days does not apply..but they don't tell you that until you get hit with an ungodly late fee amount. I paid them 16 days ago and it has yet to clear. I have proof of payment through my bank so this isn't a lost check situation. This has happened to me ever since Davids Bridal shut down their account. It's also impossible...
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★★★★★
Written on: 23/08/2010
“I recently changed all my personal banking to HSBC and...”
I recently changed all my personal banking to HSBC and they sent me letter with details of their no fee Credit Card. I had never had a credit card before as I have never needed it but decided to apply (for emergencies) because this card has no annual fee and I always plan to pay it in full so it will cost me nothing to have it. I am very happy with this card. I receive the bill, pay it in full - no problems. Just watch out when you pay it by BPAY - the statement does say to allow at least...
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★☆☆☆☆
Written on: 17/08/2010
“Very poor/unfair practices. In spite of my paying down...”
Very poor/unfair practices. In spite of my paying down the card and consistently maintaining a good credit score, HSBC continually reduced my credit limit. Each time it was decreased to an amount only slightly higher than what my current balance was at the time. This results in a negative effect on credit scores overall because of higher ratio of balance owed to total credit available. I plan to pay the card off and close the account. I will NEVER EVER use this card again and plan to request NO...
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★★☆☆☆
Written on: 05/08/2010
“I had an HSBC Cash Rewards card for three years. My...”
I had an HSBC Cash Rewards card for three years. My payments were always on time, and I paid of the balance each month. A couple of years ago, I noticed that they changed my payment due date with no warning or explanation. When I called for an explanation, I was told that my grace period was reduced from 30 days to 25 days because I paid my balance in full each month. It is my suspicion that they changed the due date hoping that I would not notice, and would miss the due date. I expressed my suspicion...
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★☆☆☆☆
Written on: 26/07/2010
“HSBC Philippines credit card Scam ”
HSBC Philippines credit card Scam 1. They send the billing statement late and sometimes not send them at all so you will be billed interest. 2. If you pay your bills in advance and in full amount like me, through phone inquiry. (yes i paid my bills without any billing statement bec i dont received them, so i dont have to be charged with interest) - they will bombard you with offers and deals to get money from you. 3. If u refuse to accept any offer, insurance etc. - they will drastically...
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Showing 31 - 40 of 87 Reviews
★☆☆☆☆
Written on: 08/07/2010
“I have had this card for well over 3 years and until...”
I have had this card for well over 3 years and until recently i was unable to make my payment. To avoid be charged a late fee, I called the "customer care line" and spoke with both a superviser and an operator, neither of them were willing to help. I asked for a 2 day extension so that i could avoid late fees..... not only did they say no, they said i could "try your luck and call back to talk to someone who would help you." I was so mad! I have never ever been late nor have i asked them for an...
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★☆☆☆☆
Written on: 29/06/2010
“HSBC are beyond awful. The customer services...”
HSBC are beyond awful. The customer services department is rude and unhelpful and they never take a record of what has been discussed during each call so you have to repeat yourself everytime you call. When I phoned them to pay off my card and close my account they said they couldn't take a vuisa debit card payment over the phone and that I had to go into the branch and pay in cash.....they never make it easy do they. Once in the branch they couldn't close my account for me, i had to call the...
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★☆☆☆☆
Written on: 24/06/2010
“I dont know what is wrong with the way they do...”
I dont know what is wrong with the way they do business.. They seem to be going out of their mind! I can not even explain what is happening because I am too angry to even bother to mention what they did to my account. ...
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★★★★☆
Written on: 12/06/2010
“The HSBC Credit Card was the first credit card I had....”
The HSBC Credit Card was the first credit card I had. I've had the card since I was 18. I've had the card now for about 18 months now and im very pleased. Never had any problems, I simply transfer my payment once a month using online banking. I've never really had to deal with them on the phone so can't comment on their customer service. The only slight problem I have is this: when I opened the account the APR was 18.9%, the guy at the branch told me that if I always pay on time and run my account...
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★☆☆☆☆
Written on: 11/06/2010
“This card is a joke, Got card with $300 credit limit,...”
This card is a joke, Got card with $300 credit limit, Used $294 of it and paid the complete balance off. They now want to hold my $294 dollar payment for 14 days and not apply it to my credit. This bank is a true joke, Please stay away from it....
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★☆☆☆☆
Written on: 27/04/2010
“Claims made by the HSBC agents to keep me as an...”
Claims made by the HSBC agents to keep me as an account holder were untrue and would qualify as a bait-and-switch tactic. HSBC has doubled my interest rate on the MasterCard account after one late payment in many years to a loan-shark rate of 28.99%. My request to lower the rate to something more humane was met with a plain "no." I've been a loyal customer of HSBC for 10 years. I just cancelled my MasterCard with them and I would certainly warn others to stay away from Household Bank....
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★☆☆☆☆
Written on: 17/03/2010
“I was a loyal card holder for over 2 years. I was...”
I was a loyal card holder for over 2 years. I was charge an annual fee and when I disputed it they told me I could either close out my account or accept the charge and the following year I wouldn't be charged. Well, the following year came & I was charged once more $80 for my annual fee. When I disputed that amount once more they said there was no record of my previous call and that there was nothing that they could do for me. I even spoke with a supervisor and she indicated that was it and no other...
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★★★☆☆
Written on: 14/03/2010
“I think this card is good enough as because they...”
I think this card is good enough as because they offered for free transfer rate to another accounts. The service they give are also good and polite....
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★★★☆☆
Written on: 13/03/2010
“As every one knows that HSBC is a very known company....”
As every one knows that HSBC is a very known company. So, i tested it too and my experience was very good. They delivered what they promised....
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★☆☆☆☆
Written on: 12/03/2010
“I got a HSBC card from Best Buy with a limit of $7000...”
I got a HSBC card from Best Buy with a limit of $7000 to take advantage of the zero interest for 18 months promo (I did 2 promos so I had the card for 36 months. I was happy with the promos and never had any problems during the promo period. When I finished the promos I had a zero balance. I went over a year without any other purchases on the card. When I went to use it again, my credit limit was $0.00. I received no advanced notice that there would be a credit limit change on my account. It was...
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Showing 41 - 50 of 87 Reviews
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