This company sucks. I had three HSBC credit cards for years and had a zero balance on all of them. I applied for credit with a company that had nothing to do with HSBC or any of their affiliates. Almost simultaneously, I started to receive letters from HSBC stating that they were closing my accounts due to recent credit denial. What's up with that? Did I mention that I did not owe them any money and have never missed a payment or was I ever late. It's almost like they lay in wait and pounce on you like fresh meat! I don't... read full review »