HSBC IS A TOTAL RIP JOB...LETS PUT IT SIMPLY...THEY CHARGE YOU INTEREST ON YOUR INTEREST...We purchased an atv with our star car, made 1 late payment and defaulted to 19.99% and then realized after paying all but 368.00 of balance and a conversation with a rep., that the 368 was not our daily balance, our daily balance was the 368 PLUS the payment for the month with the interest of 68 dollars plus the interest on 68 dollars...???? make sense to you?...oh yeah, 3 years of this crap and just realizing it, WOOT bend over boys and girls, think I will buy another 1 tomorrow! ABSOLUTELY NOT! HSBC is AWFUL-