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!

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 much i need to pay and i have never been charged a late payment or interest because i pay it off ON TIME! What more can you ask for? I cant comment on customer service because i have never had to make a call but i will rate them 5 star on the basis that, if they are as good as the rest of the service HSBC provides then i doubt i will have a problem :)

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 !!!