just want to let everyone know about what kind of people hsbc master card are. owe thim $1, 144.84. maded a $30.00 payment on the 3rd of the month. did'nt look at the bill. because i was going to pay the bill off the next week. will i started to get phone calls from hsbc. the person told me i was late with my bill.by $9.00. i said $9.00. you all are going to charge me $35.00 on $9.00. and i have never been late nor have i missed a payment. they would'nt take that late fee off. paid the bill off any way. got a bill from thim today. said i need to call because my bill is late. all i owe is $9.00 and $35.00 for that late fee they wont take off.will not be useing that card again. they can have my card back. don't get an hsbc master card. run as fast as you can.glad to give thim that $49.00. and wish i could tell thim to go after the people who don't pay there bills. and leave the the people along who pay there bills.