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HSBC: Credit Card reviews

Name: Credit Card
Rating: 3.61 (105 reviews)

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3.38

Based on 105 reviews, last reviewed 18th Jun 2024

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

43%

20%

12%

20%

Latest highest rating:

4

Very happy with HSBC. Very happy with HSBC. The CS team is always very helpful. Reviewed on: 12th April 2024

Latest lowest rating:

1

Terrible customer service - avoid at all costs! After receiving my Platinum CC with a 10000$ Credit limit, I reduced it online to $6000 for security reasons. A month later I wanted to book internati... Read more Reviewed on: 18th June 2024

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About this product

HSBC Credit Card reviews can help you to find out about the pros and cons of the HSBC Credit Card credit card. What kind of features do HSBC customers like? Find out more about the HSBC Credit Card by reading our trusted Smart Money People reviews. You can also write your own HSBC Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

HSBC Credit Card reviews (105)

Review of the HSBC, Credit Card:

Worst Bank of all times - HSBC.

I applied HSBC Credit card through the mobile banking app. I am a Premier HSBC customer and have been with the bank for almost two years. After doing a hard check on my credit profile, my application was approved and I receive sms confirmation mentioning my limit. However, they asked me to visit the bank few times. First they wanted some documents and they wanted me to upload my signature in person along with a signed Terms and Conditions form. Few weeks went by and new requests kept on coming. After multiple weeks and going through all of this, when I finally checked the status of my card, I found out that they had messed up the process and I needed to re-apply and do this all over again. I am closing all my accounts with them. In the era of Monzo, Starling and Santander, I have no business with them anymore. Reviewed on: 4th June 2024

User friendly credit card

The credit card is a good standard card, no rewards or anything like that. The good thing about it is the app which gives you access to you credit card, current account and savings accounts. Reviewed on: 27th April 2020

It's fine

My credit card account is fine - easily manageable from my online banking app. Reviewed on: 27th April 2020

Not great

Poor rates, poor service, not flexible with repayments Reviewed on: 25th January 2020

Perfect for me

I was plesantly suprised by these servuces, it helped me very much in hard times. Reviewed on: 24th January 2020

cristian dumitru mosteanu

La toata lumea recomand hsbs e foarte bun cardul. Reviewed on: 14th January 2020

NO PROBLEMS!

Credit card always work fine and good online banking and app. Reviewed on: 9th June 2019

0% Balance Transfer

Online application was a breeze and customer service great. Very satisfied. Reviewed on: 7th June 2019

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 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. Reviewed on: 15th April 2019

Perfect

Very good and easy transaction at any time Reviewed on: 10th April 2019

HSBC - The World's Worst Bank

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 Reviewed on: 7th March 2019

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