When I received my HSBC credit card, I was promised of free life time credit card. But subsequently they started charging annual fee and also charging late payment charges on top of that. I also asked them to cancel my card, but they are not ready to do these unless I pay them the money. As I refused to pay the fee they have transferred the case to people who are calling me and harassing. The person speaks in abusive language and asking me to pay the money.
Please never take a credit card from HSBC even if they promise free card.