My wife has a HSBC retail services credit card for yamaha.She finally entered a hard hsip program some where round dec 09 after they repeatedly told her no such service existed (??) Her credit score went from almost 700 to below 600 because ther are repeated 90 late marks on her credit score (those 90s really hurt) i have looked through all the statements and my checking account to see these 90 day late marks to find the longest duration from date due to date paid was 67 days at most.date due was 11-04-09 for amount332.00 entered hardship... read full review »