If its convenience and comfort that you seek with your credit card, HSBC may not be the best of the options.
But if you are a HNI driving in a Audi and cruising on super Yachts then probably, HSBC would want to lick your shoes by all means. Nothing wrong with such attitude, but just that it wont work in the long run.
I have had series of bad experience with HSBC, my primary issue being lack of enough ATMs in Chennai(I assume same elsewhere too) to drop payment cheques, this forces one to use the skypak boxes who take their sweet time to deliver the cheque and process the payment. And each time courtesy, skypak, I will hve to pay late payment charges on my card. To this HSBC has one standard reply- pls make payment 10 days in advance! So how do I exactly enjoy my "credit period"?
Next, I was initially offered the card as "free for life" but each of the two renewals that came up on my card, they jollywell levied a renewal fee on my primary plus dependent card! I had to write series of strong emails to get the payment reversed.
With no evidence or communication there was a DRASTIC cut on my credit limit- I have no instance of late payments, or dishonoring of cheques- call this prudence or stupidity? I would never know.
I have cards issues by 4 other banks with higher limit, so finally chose to bid good-bye to this most troublesome card right now!
Ya, like I mentioned if you fancy a ferrari or a audi and own a cruiser, go for it!