"Kick You While Your Down" should be HSBC Credit Cards motto. I was hospitalized from May 24 to 27, 2009. When I made my credit card payment in June I called HSBC and told them I was not working, under a doctors care and I was running out of money and would not be able to make my July payment. I asked them for help but they said "there's nothing we can do". They suggested I call the insurance entity that covered my balance. I did and within 10 days I received the papers. By this time my doctor would not sign the... read full review »