Please bring back the old Midland Bank, where you got good customer sewrvice and not someone with poor english that you cannot understand sitting in India. Very crafty bank. Do not respect loyal customers. Only interested in profit profit profit. They give you points with one hand and deduct them without notification when not used over a short period of time. Anyway goods and services are vety expensive for the points value given. Also why should I be paying them £75 each year for using their card? They are already making a profit from the retailer. Other credit card companies do not charge so why should the HSBC? Seriously thinking of changing to another bank.

My husband had an HSBC credit card for years, and he was charged 75 pounds annual fee every year. I was laughing, why anyone would anyone pay HSBC such fee while so many other credit cards offer for free. He dropped it eventually, together with the points collected.