HSBC Credit Card

I’m sure HSBC are just taking the p*** when it comes to their application process. I have had to make 2 phone calls at their request for more information they need to approve my credit card. These things for a start did not need to be a phone call but an Email, and after my last phone call to them within an hour I get another Email asking me to… Read more

phone them again. I literally just spoke to them. Why can’t they tell me then and there what else they require. They tell you on the phone that it’s all approved they just need this “one” thing but it’s all lies. I have had various cards over the years and applications have not been this difficult. I have a home loan with this bank and even the process for that was much less painful then their credit card. Very disappointed with their process, will I ever have final approval…

I recently encountered significant frustration while attempting to restore my account from a backup. After reaching my device's limits, I was unable to activate the app again. The issue lies with the security questions, which are redundant, and there's no way to know which question I answered incorrectly. On top of that, I couldn't receive an OTP,… Read more

as the code can only be generated in the app, which I’m trying to reset.

It’s incredibly frustrating that I’m now being told to visit a branch for assistance, and the representative even suggested that if I’m traveling, I should do that at the destination. They dont care,and dont have any other alternative. This process feels unnecessarily complicated and has made what should be a simple recovery situation extremely difficult. Carry other cards when traveling.

Nothing to complain about – Card is free and rewards are not bad. If you pay off each month there is no problem. Don't use it for foreign purchases as it has 3 per cent fee. Show details

Very quick in finding fraudulent transactions – I have been using my HSBC credit card for about 5 years now. I have traveled overseas with it, used it online and I use their credit card online function on their website. People complain about how hard it is to login with as there are multiple numbers and passwords to remember but it is all for the security of the account. I recently had my card… Read more

details stolen and within 15 minutes of a fraudulent transaction in Germany I received a phone call, text message and email explaining that there was a possible fraudulent transaction and to contact them immediately. Once I called them back, the call center explained the transaction and once finding out it wasn't me she cancelled my card, my online account and blocked the transaction. The new card is now being sent out with new banking details. I am very happy with how quick they jumped onto this activity as it has saved me form losing a lot of money I may not have noticed missing.

Excellent – GREAT. Easy to deal with, credit limit increases no hassle and all transations clear and concise on their statements. Would help if they upgraded to the new chip technology so it could be used with a PIN. When I applied about a year ago there was a 6 month 0% balance transfer option and the annual fee waived for the first year. Also, the… Read more ·  1

International Currency conversion fee is only 2% as opposed to 2.5% or more for other cards. Will use this card when travelling oversees Nil - Annual fee only $49 which can sometimes be saved by their regular promotions.

worst customer service ever. had to call 100 times just to check the status of my disputed transactions. No emails nothing. after 100 calls they told me they are refunding my money but even after 6 days nothing displayed. I had to call them again and still no clue. Show details

Ridiculously complex to apply for – This card is ridiculously complicated to apply for. Multiple emails all requesting more things. Then told to go to bank for id but at bank they are still not happy and ask me to call cc centre again. Not worth it

Can NOT pay bill through online banking??? – I just moved to HSBC credit card due to having my home loans with them. Now, I just realized that I can't pay my bill through online banking under my credit card account. But it's okay to pay my bill from my home loan accounts. Contact their support and they told me that I only able to use the app on my phone to pay for bpay bill not through… Read more

online banking. How stupid is that? From all the account listed for me to choose on my online banking, all the home loan accounts are there but not the credit card account (which you think the one for you to choose to pay bill).

Bad credit card HSBC – HSBC credit card was the worst card ever been used. No notifications or calls when scammers uses your card. One of the worst call centre they belongs too very unprofessional. They advise something and they don't do that. Show details

Very bad....they have scammers working for them – I had HSBC star alliance card. It was compromised. And I disputed the transactions. They cancelled the card sent me a new card. I rang to activate it and lady on the other end said. This card will be available on your App. I logged into check. The card was already compromised before even I activated it. This shows how poor their security system… Read more

is. They have scammers and hackers working for them. If not how can my card be used before it is activated...

Horrible ! – I had a card if i spend more than 6k annual fee to be waived, it's been months they still remain unreachable. Support guys keep saying it will be adjusted when statement generated. Now their system even stopped generating statement, after several escalation, they sent me statement manually via email, and the fees not yet waived. Further more, they say card policy changed from next year fee will go up even higher & will not be waived ! Show details

Transactions continually declined – My recently acquired HSBC Star Alliance card has been declined on numerous occasions- despite using only 8% of the limit. I reported this to the call centre and the card then accepted one transaction and then declined the next 2 . I have been a customer of HSBC for 40+ years and this is probably my worst experience from any card issuing bank. I cannot recommend this star alliance card.

A tired, outdated bank with terrible systems and processes – Why does HSBC make it so hard to bank with them? I am an existing customer and I simply wanted to apply for a Premier Credit card. All my salary and other income gets paid into HSBC but they still wanted payslips and other docs. Almost 2 weeks go by and despite calls to the overseas call centre who repeat the same line like robots “your… Read more

application is being processed” it is unbelievably primitive.

Wake up HSBC! Other banks can process simple requests instantaneously! Invest in your customer processes to remove blockages and double or triple invest in your IT systems! You’re a joke!

Worst credit card application process in the industry – I've had the most frustrating credit card application experience with HSBC by far. I applied for a credit card 3 weeks ago but I am still waiting on the application result. I had to go to a branch twice and call the help desk 6-7 times to get an update and submit yet more documents and there is still no resolution. Their processes are very manual… Read more

and outdated - I had to go to a branch to get an identification check. Departments don't seem to talk to each other - they asked me on the phone for documents I already uploaded and also submitted in person in the branch. They can't provide a meaningful update or commit to any timelines - on every call they tell me we will get back to you within X days or hours and they never stick to the promise. Don't bother, just go to another provider to save time.

Horrible application process and it makes me fed up to further proceed with them – Extremely extremely extremely time consuming and tedious, hours and hours on phone conversation with their reps, asking thousands of questions but when asked they always said this was the last question and when answered they asked again next question and said it would be the last question again. More documents and income proofs required and more… Read more

complicated than applying a home loans, asked questions totally inrelevant to credit card applications. Regretably that I have been loyal HSBC customers for more than 20 years. Will leave them for another more reasonable banks. They called me back again for asking questions but I refused to answer again after so many "last" questions. If you don't care about your customer's time, your customers don't care about you.

Regretted using HSBC credit card – I regretted using my HSBC credit card (instead of my other usual bank’s credit card) as it costed me about $500 of total foreign fees buying from foreign online. These foreign fees I need NOT pay for anything for years on my other banks credit card — of the same kind/tier (with no annual fees). Avoid HSBC credit cards and shop around as there are much better CC products out there. Show details

Poor customer service – Trying to cancel card. They say you can do on line but you can’t on the app. Have been waiting for 2 hours on phone waiting. They refuse to give me my user name through app too which is frustrating. Show details

Horrible credit card application – Terrible application process. Makes you submit documents more than a home loan for a 6k credit card. Have excellent credit rating, 6 figure income and other assets and practically no liability. Declined without a reason after conditionally approving them. Never again.

Application process is the pits – The card itself is fine. The application process I went through in 2018 was painful but when I sought a higher credit limit the application process was next level annoying. Long delays and then a call seeking further information and documents, then another long delay, then another call seeking information and documents (much of which had already… Read more

been provided). Applied for a card from another provider with better points offer and had an outcome in 2 days. I had been with HSBC for over 3 years, paying in full each month and with an excellent credit rating.

Declined twice wont tell you why never again – HSBC make you jump through all the hoops send this document and that then a string of endless questions then at the end decline and will not give the reason why even if you have banked with them for years by the way this also ruins your credit score

Terrible services – I had my HSBC Qantas credit card for about a year. I had the opportunity to speak to them several times. They are nice on the phone but mostly do nothing what they promise. I needed to change direct debit details, I am not kidding, it took them 3 months. I send a paper letter, 2 faxes and had numerous phone calls with them. And because they have… Read more

terrible website too, I decided to cancel my credit card. I called them and again, "sure, sure" it will be done as soon as we receive the payment. I paid strait away and next day I could not get into my account, so I though great, it was done without any problems. Today I called them again because I earned very little Qantas Frequent points (6) and I spent on their card much, much more. Same the month before. So as I said I called them today, and the HSBC lady told me, that my account is still valid and they even charged me the yearly fee. She promised to cancel the fee and close the account. So I hope I will not hear from them ever again. Never mind the Qantas Frequent Points.

Application nightmare – Tried to apply online. Tried to capture my Id a few time and it kept asking for it. I gave up. Waist of time put all that info in before.

Horrible experience with the application – I applied for this card and at last i withdrawn my application because of this bad experience., they need a lot and lot of documents and clarification for few thousand bucks.Better to apply other credit card than wasting time to chat with HSBC. therefore i decided no more HSBC product. easy to get a home loan easier than this procedure. Show details

Really Poor – HSBC Credit Card is about to expire. All the organisation's with standing orders set up on it are chasing new details to allow seamless service but HSBC do not send out a replacement card until within 10 days of expiry. Really poor, especially compared to other providers. Show details

HSBC Credit card wants to keep to them self – Don't even waste your time on applying for HSBC credit card. They will approve it first and then decline it later without any reason. Apply for any Credit card such as Amex or Citibank and keep a clean credit score and credit file. Show details

Horrendous product – Extremely difficult when ringing customer service to get help. Every request has proven to be difficult or impossible for the call center person to attend to. HSBC process, procedure and protocols are not user friendly at all. They continuously change their online app log on causing the user to reset, not intuitive at all.

Worst Credit Card + Worst Bank – It's almost as though HSBC tries to deliver the worst service and product. My wife recently got scammed by a site that was designed to look like a Canadian Government ETA site and charges $75 for a $7 visa. HSBC sided with the scammers and said "the charge is legitimate". They really don't care about their customers at all and the fraud… Read more

request was denied via phone by an off-shore call centre person that was very difficult to understand and had a very poor phone manner.

Will definitely be ditching this card along with my home loan with them. Enough is enough.

Failed to send a replacement card when my current one expired with no explanation – I have had a fee-free HSBC card (like the one pictured) for a few years. Apart from locking my card a couple of times when I made legitimate purchases from overseas sellers over the internet the experience has been generally good. Dealing with the overseas (Philippines?) call centre the few times I've needed to was not a great experience, but it… Read more

never is.

However, this year my card expired, and they did not send a new one. Luckily I had a card from another provider I could use to pay my bills. When I called to inquire why a new card was not sent, they offered to send one out but could not explain why it wasn't done automatically.

I cancelled my account.

Awful – Do not apply for a credit card from HSBC. The initial experience.. fine. Trying to log in online is a nightmare... Sitting with App and laptop about 3 secure number, password and username.. heaven help you if you forget one, like I did. Locked out of everything. Switched balances away and bow on month three of trying to close account. I'm… Read more

apparently locked out of telephone banking too so nobody will speak to me. Keep advising they have sent code to address so I can unlock telephone banking to close account...it never appears.

Branch is 1.5 hours away so not near me.

I've given up!

Terrible customer service – I wouldn't recommend this bank for credit card facility. Terrible customer representatives and under skilled. I requested to close my account urgently but whenever I called reps kept telling me I have balance to pay. When i paid and called again to close they told me i have another balance to pay. This happened three times before they were able to… Read more

close my account. They just couldn't tell me exactly how much i needed to pay so the closure could be done urgently. Then when i asked for closure letter they cant provide it on the same day and kept telling me they will request through IT but nothing happens. It had been 4 days now and I still haven't received the closure letter. So unreliable when you need it the most.

Dont ever avail HSBC service – HSBC is the worst bank that I have ever come across. The credit card department is useless and hopeless. I have logged couple of complaints on 14th Aug and till now (24th Aug) no communication even if I have chased them 6-8 times with 45 mins discussion each time. Every time, I received false commitment from CC folks, their manager and next level… Read more

manager as well. It such pathetic situation. DONT ever…ever. and ever go for their service .. be it credit card or account opening or anything else

Worst credit card service provider – Never ever use any hsbc credit card ...they charge me a lot when I purchased some thing and some time they charge double.. Very bad customer service...

Bad customer service – Had a HSBC credit card (fee free) and moved to platinum for the travel insurance. After a year I didn't need this anymore and asked to go back to the previous fee free card and I was advised there wasn't one. Also asked about the lounge passes with the platinum card but was told I don't get these as they're only applicable to people that signed… Read more

up recently.... what I don't understand is that this isn't a promotion but just a benefit of Platinum.

I finally had enough an cancelled the card. I was never advised it was closed, when I go to log in to my account it doesn't let me in...I can only ASSUME it's been closed. So disappointing....horrible customer service HSBC and dirty tactics.