How long can the credit card and banking systems be allowed to continue to financially rape its constituents? Is the system setup to make sure you fail? Are the credit card and banking systems owned by some secret legal mafia group? I cannot believe that HSBC has raised my APR rate to 31.99%. I make my regular online monthly payments. A few times have been late a couple of days. I spoke with one of the representatives of HSBC who informed me that they were unable to change the rate as the computer software system does not allow them to do... read full review »