Oh, HSBC I'm so upset with you. The constant calls. I've made a payment arrangement with you, one of your India/Afghanistan reps agreed to it and you still constantly call. It's so sickening to think that you need to harass people in such a way. I would agree the calls need to be made, if the payment arrangement wasn't made, but it was, so STOP CALLING!!! It's not like you aren't making money with the overly high interest rate, or the break you getting in wages by having the calls made from another country about your accounts. You must be Republican!! Want your money but not willing to pay the wages to help you make that money. Your company will not get any help from me reference wise, and I'll ask all my friends who have dealerships in my area to not associate with your finance company in the future.

I got a credit card with this company about 8 months ago and have regretted it ever since. The main issue that I have with them is that I tried to pay off my account, paying the entire amount that it said I owed last month. I figured since I paid off everything I owed, my account should be down to zero. Well, I was checking my e-mail the other day and was surprised to find that they said I still owed $45 in interest, as well as a $10 late fee for not paying on time. My husband called to get the late fee refunded, and one of the very helpful "customer care" agents (they should be embarrased to call it that) hung up on him when he asked to speak to a manager. I called back and got a manager, but he was just as rude as the agents and even less helpful. I finally paid off what they said I supposedly owed, just because I'm five months pregnant and I'm sick of dealing with them, I have more important things to worry about. I WILL NEVER GET ANOTHER HSBC CREDIT CARD AGAIN AND I HIGHLY RECOMMEND NO ONE ELSE DOES EITHER.

800-684-8429 - Tthis number has called me 7 times a day, everyday for the last 2 months. No idea how they got my number but the one time I answered some guy was speaking spanish on the other end. how can you tell someone to leave you alone if you don't know what they are saying!!

They closed my account after saying if I paid on time I would have a higher amount that could be charged.

I got the credit cards back in January... and I was told that it was no interest for 6 months... I looked at my bill when I received it and it said that I still had to make monthly payments on both cards... so I then made my payments on time, and wasn't late... I then took a look at the next bill I received... and noticed I was being charged a debt collection fee and a Identity protection fee... and that my payments I made barely made a dent in what I owed... so I made a big payment on both cards to see what else would happen... I then noticed after that, that they started charging me the debt collection fee plus the APR plus something else that was only a dollar... I decided then just to pay them in full and not use the cards anymore... well every thing was going good until I checked my acct. online today 3/18/08 and saw that they charged my acct. 9.99 for some protection plan on 3/17/08... I immediately called the Identity Protection Plan department...and canceled it and was told that my account would be credited back the money, wrote down the confirmation number and filed it along side my original contract... where you can plainly see that I never signed up for the identity protection plan... in fact... when I call to activate my card... the man tried to sell that to me... and I plainly said no, even though I could barely understand his english I'm more then sure he could understand me when I said NO!... so it was done to my acct... without my permission... and have proof... also... I called my rewardzone master card customer service to make sure that my account would be refunded the 9.99... and that I would not be liable for any charges brounght up on my acct. because of the 9.99 charge... he said that any charges brought on because of this...will be credited back to my acct... I'm hoping that they won't try to scam me out of more money.So anyone who is thinking that getting a bestbuy card is a good idea...run away!!! I wish I wouldn't have gotten it.