I am using a Gold Credit Card, and I make my payments on time (i.e) 10 days in advance. Even then for 4 months now I have been paying late payment fees as they say they have received the cheque I presented.
Even today (9th April 2009) When I called them to see if they have received my cheque (due date on 13th and I have presented the cheque on 4th April 09) they say, sorry sir, we have not received your cheque. They do not have branches also in bangalore and to pay 500 Rs.
I went 20 Km from my house to make the payments directly. Their Service S big time. I have not even received my monthly bills from past one year either through mail or physical....Can u beat it..... My suggestion is, never go for HSBC credit card or start loosing ur money instantaneously. Worst than Barclays.......to be honest......