I am using HSBC Classic card from past 2 Years. I never faced any problem with the card. You can say I am one of the happy customers of HSBC Card. I took this card after one month of getting my first job. & right from the very first day, I started getting good services from HSBC. I applied for Internet Banking & got the facility after I placed the call. I don’t have to follow up for that. 90% of the time, I get my bill well in advance so that I can pay my bill well in time. Sometimes I paid my bill late & they charged me for the late payment charge but once I called them & asked them to reverse the late fee charges as I am the old customer, they do it within the promised time & I don’t have to take the pain to follow up.
Pros:
1) Never charged me unncessarily.
2) Always gets the bill well in advance.
3) Got the Internet Banking facility within the promised time.
4) Can redeem the points online
5) Good stuffs in exchange of reward points (But I am not sure if this reaches you in time & in one piece or not. I have appiled for that on Yesterday, i.e. Sunday, lets see)
6) No hiiden Charges.
Cons:
1) High interest rate.
2) To get the ATM Pin, I have to follow up a bit. But in the End, I went to HSBC MG Road, Bangalore branch & I got the pin immediately.
Overall, I am happy with my HSBC Credit card & NO I AM NOT THE EMPLOYEE OF HSBC & STILL I AM HAPPY WITH THIS CARD.