HSBC Complaint - Don't Use Any HSBC Credit Cards
CHARLOTTE, NORTH CAROLINA -- I have not had any positive experience with HSBC. We have a good credit rating and multiple credit cards. On two credit cards, we have found HSBC rude and inflexible. For people who like to pay online, payments take multiple days to process and they use the date they process your payment (watch out for holidays) as opposed to the date you actually make the online transaction. If you need an immediate payment which most credit card companies handle with immediate processing, you have to pay an additional "rush payment" fee.
We were also charged a $35 late fee because our automatic online payment was $1 short. There are too many cards out there. Don't use any from HSBC.