I have tried and failed to pay this account ahead-no matter how many payments I make it is never ahead, and if I do not make a payment exactly on the 2ND I am considered late. HSBC is who finances for BEST BUY, use your VISA card with a different bank-Do not use HSBC-The way they treat their customers-even the ones that try to pay ahead is horrible. Best Buy is a good company but HSBC is not.

This card is excellent and I rarely use my other cards anymore. Firstly because the customer service is so good. Unlike most departments at HSBC, if you call, you speak with someone who speaks English as a first language and is extremely polite and helpful. Secondly the "premier points" can be easily redeemed for Amazon (or other vouchers) and I get £30 to £50 a month to spend with these. I am not sure how it would be possible to improve the product!

I am an end user of this card and the point that I want to make is about the loyalty scheme - I think its great! I have been using this card for many years and generally pay off the balance at the end of each month and through that have been gradually accumulating points. I had ignored them for a while and thought hey guess what I could get a radio alarm clock that I didnt need etc. But the points can be used against travel so I inquired about this, fearing some long drawn out form and months to get a refund etc and the kind woman just said they can be used against any flights or travel that you might have recently purchased using your card.

So a couple of weeks ago I had used my card to buy some flights and just like that they gave me a cash refund on the phone off those flights and on to my card - no forms, no hassle and no waiting. Its great, so simple and definitely recommend to others. Well done HSBC - a bank that does things, quickly, easily and simply !

Every month, despite paying by direct debit, my HSBC Premier Credit Card received late payment charges plus interest charges. I had to call monthly to have them reinstated, every single month!!!