HSBC Credit Card HSBC raises intrest charge after one payment & charge illegal nlate fees Gadsden Alabama

Was this an Orchard Bank card or just an HSBC card? A class action is being initiated by Plaintiffs with complaints similar to yours. If you are interested please contact me (((ROR redacted)))

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The late fee you were charged was not illegal, nor was the hike in the interest rate. If you scroll down on the page where make your payment, it shows you when the cutoff time for online payments. Orchard Bank has a cutoff time of 4:00 pm EST. Any payments made after that time will be applied on the next business day. Your card agreement, which you agreed to adhere to when you applied for and activated your card, states that your account will be charged a late fee if your minimum due is not received by the due date. Although you made your payment on the due date, it was applied on the next day as your payment was received after 4 pm EST. You card agreement also states that your interest rates may increase due to various factors, which include late payments.