Few reasons why HSBC Credit cards sucks..
They never send statement with transaction details.All it contains is numbers Guess all their software can do is addition and fails to recognize words 
. Boss you could have requested me, i would have written a small “C” program for you 
They have stupidest customer care department who refuses to update address if pin code is not provided.Or the address gets updated after 3 months in absence of pin code (read below)
Three months later they sent statement (with only numbers ) at the aforementioned address, with “pin code”. Believe, it took three months for them to figure it out .
One fine day someone called up saying that they finally managed to trace me. I don’t know which route they followed. According to me a quick search in their database would have done the job.
Few days later one finds a LEGAL NOTICE from Jus Juris (legal advisor to HSBC). A copy of same was marked to my permanent address (with PIN code missing). I presume it took 1 long year for their search engine to find that out.
When I replied to the aforementioned mail with concerns and proofs, no body dared to reply back. Dude, get your facts right before sending “Legal Notice”
After few more months someone called up saying that they want settlement, to which one said YES and the D-Day was decided. But no body turned up on the day. One more reason why they suck.
On a later day someone turned from HSBC to collect the cheque and in return handed over settlement letter. Not to my surprise, the guy misplaced the cheque, bloody suckers
Few weeks passed, they called me to beg for cheque and I obviously obliged.
And today, I got the the same bill with some numbers and no details.Guess they are still stuck to the age old software which cannot recognize English alphabets.
One quick suggestion, stop bugging me!
yes they suck that’s why i got is closed and tore away my HSBC credit card
you can also do the same and get a new one from a new bank