Today I opened our HSBC credit card bill to find my interest rate had been raised by 3%, from 11.99% to 14.99%. I then called HSBC, spoke to supervisor Steve, ID# EHL, and was told that a notice had been mailed to us in September informing us of this pending interest rate increase and an option for us to opt out and not have the interest raised but to have our account closed. I had until December 10, 2009 to respond. This notice was not sent with my bill where it would no doubt have been noticed and read. I did not receive thi... read full review »