HSBC Gold Mastercard® credit card

Overall card rating

2.3

84 Reviews

from Intuit Credit Karma members

Most helpful positive review

Dec 22, 2018

Great card

Credit Karma Member

After reading the negative reviews, I was a bit hesitant in applying for the card.? The application process was easy and quickly received my card in the mail.? The main reason I applied was for the balance transfer promotional apr.? I was able to transfer two credit card balances without any problems.? I set up the balance transers online.? I agree with some of the reviews that the website and the app are not user friendly.? Once I figured it out, it was easy to set up payments.? ?I've never contacted customer service.?

Most helpful negative review

Nov 09, 2018

The Absolute Worst Credit Card

Credit Karma Member

I got this as a balance transfer card because of 18 months/no interest. This is the absolute worst experience I have ever had with a credit card, or simply any customer service i have ever dealt with.? i have 'missed' multiple payments due to their incorrect inputting of my info, which has impacted my credit score negatively.? There is not way to make an online payment, and they send no confirmation to you when you tdo make a payment.? I've had to call, spending over a half hour on the phone every time, to make my on time payments, only for them to input info wrong or not process the payment, resulting in my being considered past due and incurring fees. Customer service is a nightmare and is not helpful at all, anything you want to do other than make a payment (which they cant even accomplish succesfully) they will refer you to someone else, who in my experience cant resolve anything either.? I would advise anyone considering applying to stay as far away as possible.? This has been a nightmare without an end in sight, my account is now considered clsoed due to their incompetence and I am powerless in trying to change that.? I am reporting them to consumer affairs and the BBB as they constantly fail to prpovide the service they advertise.??

Member ratings

Application process

Customer service

All member reviews (84)

Feb 15, 2022

Con service

Credit Karma Member

I had a deck collector call me 2 weeks ago tell me I have an account with this company from 2007 and there's just an H just now contacting me and that I owe all this money I've never had a credit card through this company and in 2007 I didn't even have credit my credit is only 4 years old and I told him it has to be fraud and they won't give me any information so a collection agency all they gave me was the name of this credit card so this company I think may be a fraud

Apr 09, 2020

No Problems

Credit Karma Member

Don't understand all the negative reviews...I had a couple of issues that were resolved quickly and very friendly...Online banking is easy once you have set up and making payments is a simple process...

Mar 05, 2020

Don't even try

Credit Karma Member

Complete waste of time and energy with nothing but a pre-approval rejection. It's not for financial reasons either, absolutely no word on why it was rejected, how are HSBC credit cards still a thing?

Mar 04, 2020

great card

Credit Karma Member

Was approved for higher than I thought so I can transfer another high interest card at 0% for 12 months!

Mar 01, 2020

Credit Karma Member

Has complicated online banking ,the thing is if you want to pay your bill you have to back to 1990's to pay the bills?

Feb 25, 2020

I honestly don't get all the bad reviews

Credit Karma Member

I tried going through the negative reviews and didn't really see anything that surprising. That is, aside from the website. The website does kinda suck, it's dated and not at all intuitive. But so far I've had the card about a year now and I personally have no complaints. I read some reviews that customer service is no good, which understandably nowadays every customer service is horrible (except for Amex).?

Feb 17, 2020

Why is this card being recommended?

Credit Karma Member

Why would Kredit Karma recommend a card that is so disliked?

Feb 14, 2020

OK

Credit Karma Member

Cool design.? 0% intro APR for 18 months.? Super glitchy website.

Feb 07, 2020

Useless

Credit Karma Member

Don't waste a hit. The process is slow from the application process, approval, to getting the actual card and then you find out your limit matches that of a student getting their 1st credit card. It's offensive. If Amex trusts me with over 50k of total extended credit then I don't understand why HSBC thinks so highly of "itself". I wanted to transfer a balance but I'll just use my savings. The approval amount was so low that I canceled the card immediately. It wasn't enough and any usage of the card would put me way over the recommended utilization limit and even the 0% purchase APR is useless. For what? I'm certainly not planning on taking 12 months to pay off $500 purchase. The card doesn't offer any other benefits. I really regret applying.

Feb 03, 2020

Worst credit card company

Credit Karma Member

I've this card and this hsbc company and its support are the worst of the worst!

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HSBC Gold Mastercard® credit card

These ratings and reviews are provided by our users. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it.

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