My wife had 2 HSBC Orchard Bank credit cards designed with building our credit in mind. However, they have completely lost our business! My wife called the customer service number (which is an offshore outsourced call center) toward the end of January to switch our bank accounts. She also mentioned something about how she was going to make a payment online when she was able to. However, the agent took her comment and decided it would be a good idea to just debit our card instead of waiting for my wife to do it. Well, my wife made our online... read full review »