I had an HSBC credit card some 3 yrs back, due lack of proper services and undue late payment charges being levied on my card i stopped using the same within 5-6 months of issue. I would never get the credit card statement in time, neither through snail mail, email or even SMS. On top of these they would charge me late payment fees. Due to all this i stopped using the card and opted for a StanC card. I made whatever amount was due in my card and closed the account. Now after 3 yrs I get phone calls from HSBC's recovery dept. that... read full review »