Your Credit Card Reviews (49)
PPI Nightmare
I made a PPI claim over a year ago but HSBC still haven't paid me. They've made jump through hoops by making me provide documentation, bring it all + ID into branch and then claiming they don't know who I am? Had to get the ombudsmen involved who have...
Read moreI made a PPI claim over a year ago but HSBC still haven't paid me. They've made jump through hoops by making me provide documentation, bring it all + ID into branch and then claiming they don't know who I am? Had to get the ombudsmen involved who have aggreed with my claim and have stated HSBC must pay me out. That was over a month ago but HSBC still haven't paid me.
HSBC - The World's Worst Bank
HSBC may be "the world's local bank", but more notably they're the world's worst!...
Read more HSBC may be "the world's local bank", but more notably they're the world's worst!
I have never had a worse banking experience than with HSBC, they are unhelpful (especially to existing customers), uncompetitive (both in terms of lending rates and banking services) and moreover they're completely incompetent.
Thankfully it's been years since I held a current account with this shameful institution (never again shall I make that mistake) but last week I foolishly applied for a 0% balance transfer credit card with them. I'll bullet-point the chaos that ensued to save time:
- Nearly a week after my application, without providing even an email confirmation to acknowledge that they had received it, they finally contacted me by email to request further information.
- Despite me passing a credit check with ease, they requested that I upload copies of my last 3 payslips and last 3 month's bank statements. In hindsight this was a ludicrous request considering I had passed the credit check, but I figured I was committed by this point so I obliged and uploaded the documents through their frustrating online service.
- A further 2 working days after this (again, no email confirmation) I finally receive a call from their frankly downright rude and abrasive credit card team. They start by challenging my declared salary, insisting that they've 'done the math' and it adds up to less than I've declared. Now, like any normal human being on this planet, I know what my annual salary is - so I questioned what 'math' they had done to arrive at this bizarre conclusion. It transpires they are calculating my annual basic salary post-tax and post corporate deductibles (company benefits, pension, etc.).
That's not right is it?
Damn straight it's not right, in fact, I've been back to their online application screen since to check and it clearly states that they want your annual income BEFORE tax. In any case, there was no reasoning with this particular moron who was adamant they had read my payslips correctly (they hadn't - my salary before tax is clearly stated and if you multiply it by 12, guess what? it adds up to my declared annual income!). In less polite words than I'm using now I 'requested' that they cancel my application and swipe their 0% card somewhere other than a card reader.
- 20 minutes later I applied online for a similar card with Santander.
- My application was accepted immediately.
The moral of this story is: DON'T EVER BANK WITH HSBC, EVER, FOR ANY REASON!
With love,
Sam
excellent hsbc credit card
Whilst registering online is a bit daunting, this service is beyond reproach. Very logical set up and user interface, which is uncluttered and functional. Whilst up-to date, the website is old school, in that it does not bombard with millennial slang...
Read moreWhilst registering online is a bit daunting, this service is beyond reproach. Very logical set up and user interface, which is uncluttered and functional. Whilst up-to date, the website is old school, in that it does not bombard with millennial slang and remembers that many of us are over-25 and do not want pointless gimmicks. This it does very well. Good customer service too. I highly recommend this service. For once I cannot complain.
How many security questions?
My main gripe was the complete nightmare it is to set up online banking, phone calls, telephone security codes, questions, phrases, stupid bits of plastic, downloading app to generate yet another code. No other bank I have dealt with makes it such a...
Read moreMy main gripe was the complete nightmare it is to set up online banking, phone calls, telephone security codes, questions, phrases, stupid bits of plastic, downloading app to generate yet another code. No other bank I have dealt with makes it such a fiasco. The customer service were patronizing, sounded bored and reading from a script. Glad I'm only using for the 0% balance transfer so won't have much occasion to log in as I suspect I'll have to reset the whole lot again as I cant what was the security passphrase and which was the security passcode!
Excellent service
We always receive excellent service from HSBC for all our accounts. Their security features are excellent and good interest rates.
Helped me
Needed help in a tough time and the 0% credit card helped me so much
Great to start with First time banking in UK
There is no doubt to start a bank account at very first time in UK....
Read more There is no doubt to start a bank account at very first time in UK.
Provides great flexibility to a customer to have banking account and credit card at very first day when you approach HSBC Bank unlike other banks in UK.
surprisingly HSBC follows and provides great fraud prevention based on the usage of your credit cards.
Especially fast balance option is great innovative idea to see my balance without logging on the app.
Clear details and description on the card statements.
Thanks HSBC for being my first bank in UK and provides Credit card on first day.
Nice product to improve your credit score.
Product born to build a credit score in the UK. Difficult re paying option.
Standard Credit Card
Very boring credit card, doesn't really offer any benefits and doesn't have the best rates on the market.
Dont avail any of 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...
Read moreHSBC 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 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
HSBC credit card
Conducted a thorough application process to determine if the credit card (to be used for a balance transfer) was affordable before approving. Good customer experience so far.
Easy and quick
Very easy and quick decision I would highly recommend
High limit
They offer me 3x higher limit than my previous credit card
