They will keep your rewards. No help in getting them back. They beat around the bush and transfer you to multiple CS reps. They tire you out until you give up. Closing this card. Rip offs!

I apply for this credit card and was turned down with over 820 credit score, all 15 accounts on my credit bureaus are showing zero balance, never made a late payment in my life and was declined because inability to pay. How do you explained that? I make over $240k a year. Last year made $160k and they declined me. I am an American Citizen with a middle eastern name, maybe that could be the reason why I was declined. Anyways, my advised to you is not to apply for this credit card, you might get an inquiry for no reason.

I have a 736 credit score and didn’t get approved. Called to discuss my application and was transferred 3 times and were no help at all explaining the decision. After the experience I just had THANK GOD I didn’t get approved.

Don't be fooled by the cash reward. Do not make the same mistake I made. 20min+ on hold, if you need to dispute a charge (specially a monthly charge- like gym membership) you have to call every single month. My gym stopped to charge the clients but HSBC keeps charging... Forget if you overseas and call to inquire an amount, they treat to cancel your credit card. It seems there is no staff. If the rewards are good, take right away and cancel or not use the credit card

I used it for small balance transfer. It had a long 0% APR (18 mos) which was plenty of time to pay off. However, I rarely use it because payment is so cumbersome. Activation process was a pain and the app is useless since you can view your balance but can't pay through it. At least I never could figure it out. I had to log in to website everytime (I could have used auto-pay but I like to have more control). They will probably cut me off for non-use, but they make payment so difficult I don't even want to use it, I rarely use it.

asked them to reactivate. no response. only $2500 credit line, but didn't want it to effect my 817 credit score.. Bye .. wont see my business again

everything about this card was disappointing. the website interface and user experience was terrible. hard to use, hard to navigate, hard to understand, hard to setup payments, hard everything. i cancelled it as soon as i could.

after saying "excellent chance" they only approved me for 1500 and not for 0% int which it stated which i was looking for. they approved me for 16.99. go with citi, they give you what they advertise. also, hsbc application process was long and detailed. i got citi card within a minute, easy peasy.

I've tried appling to this card 3 times, application was dennied because they couldn't verify my identity. photo copied they my ID give they my social # and for some reason they still couldn't verify my identity smh.

I get great points, and I use this card everyday and pay the bill in full bi weekly. The points make everything. You need to use a website to make payments since the app doesn't have that feature unless you have a HSBC account. The points totally outweigh the issue of having to pay on a website and not an app. Also I've never had any iasues with customer service.