I would like to start by saying this company refuses to help me, or anyone I know that utilizes their services. NEVER USE THEM, businesses that I know use them for house accounts are BEST BUY, Household Bank, Helzberg Diamonds, Orchard Bank, and GM Rewards.They outsource customer service calls to the middle east and asian islands, yet are still only open for a short business day. Contacting them is useless. The staff is rude and seem almost happy to hear how bad this company can make your life. HSBC corporate is pleased with their activity, and needs to be sued to stop.
Upon opening my first card with them I noticed they had poor call centers. Within a month I was offered a better card from the same company, so wanting to save money with a better interest rate, I opened the new card and canceled the first. It had a better interest rate and no annual fee. Seemed great.
This is the second year in a row I have been charged a $60 annual fee. This year it put me over my credit limit by $15. They charged me a fee for that too. I emailed them, to complain. Never received contact back. I used their customer service line to dispute and was told they would call me back. They never called. They refuse to help me.
Further, I use a credit report service. I have been informed that they have posted negative information, but will not allow me to dispute it. HSBC IS A FOREIGN OWNED RIPOFF CREDITOR. AVOID THEM. USE ANY AVAILABLE OPTION TO EXCLUDE THEM AS A CREDITOR. HSBC IS A SCAM. HSBC ENCOURAGES RUDE DISRESPECTFUL EMPLOYEES. HSBC IS HORRIBLE.