I have held a credit card with Orchard Bank (HSBC) for over 4 years now. I have always paid my bill on time and more than the
minimum due. I have been such a "Valued Customer" that they have over doubled my limit on my card in the last 4 years. Last month I had a unforeseen expense and was 1 DAY late on my payment, well they added the 30.00 for being late which in turn put me over my limit and then they added 39.00 for being over the limit. I contacted customer service and explained the issue, asked them to reverse the fees, I would pay the minimum that day and my account would be in good standing. they didn't budge, they just read the card service agreement to me regarding late fees and over the limit fees. I sarcastically thanked them for their help and their invaluable cooperation with their "valued customer" and told them if they wouldn't reverse the fees, then to close my account. They were EAGER to close it, instead of reversing the fees. My suggestion to everyone out there, NEVER GET A CREDIT CARD WITH ORCHARD BANK (HSBC). They would rather keep their 69.00 in fees then your account.