I got this credit card automatically was charge like $79 activation fee, used it a few times. then i tried to pay off my balance of $278 which i called the company attempting to make a payment over the phone. the customer service rep took my bank account info and told me the payment went through. i told him i wanted to pay it off to close my account to discontinue the service so i wouldn't be charge anymore finance charges or any other fees. he said everything was good. i then went on a trip, i stayed at a hotel that needed a credit card # for conformation to hold the room, i gave the lady the card number but told her not to use it cause i was gonna pay cash. when i checked out a few days later she accidentally ran the card for $210. i said that was okay because i thought my balance on the card was $00. when i got back home i wanted to pay off the $210 and completely close the card for good. i called HSBC to make that payment. they said my accont was over the limit by $300, i said what? they never took the 1st payment for the $279, so now instead of just owing $210 they say i owe $636.18. they say my bank refused the payment. i went to my bank to check. i told the girl at the bank what happened and as soon as i said HSBC she said yeah i heard stories about that card she also said they wouldn't refuse payment and they would have payed it. she said HSBC seeing that my checks were from a newly opened account at BOFA that they wouldn't(HSBC) even try to process it. so now i have alls these fees. and i tried to make a payment with a money gram at walmart but the info HSBC gave me was wrong. it seams that when ever i tried to pay off the account to close it they denied to process it but still charged the processing fee. there sending me to collections for non payments, i got a letter from the unit manager of hsbc telling me to make a payment, but when i call looking for her no one can transfer my call to Stephanie L. DiSabato, the only number to call is for the same customer service reps that barely speak english and don't know how to process payemnt or tell me the right info to do it on my own. i have recorded several phone conversations of the run around, and when i told a manager once he was being recorded, he treatened to hang up on me while i was trying to make a payment. i need help. i wanna pay this off but don't want to may them any extra. there rip offs.