Seriously, never bank with HSBC. I have a couple dozen credit cards, never had a meaningful issue with any of them. Nothing but issues with HSBC as they find all transactions to be suspicious, and they will require you go into their branch to repeatedly prove you made the charge (in one example, I bought toothpaste at the corner store; HSBC froze my card telling me to call to confirm that I made the purchase; I called and they asked me some identifying questions; I got all the answers right—even faxing them a copy of my ID and my electric bill; still, they told me I'd have to drive to their branch to show my ID to prove I made the charge; I asked why and the agent said he heard voices in the background that seemed like they might be "coaching me". So, because I had "The View" on in another room, and Joy Behar is a loud talker, I had to drive to an HSBC branch.) Their ineptness would be comedic if the nearest HSBC wasn't 50 miles away. They are an endless waste of time. And their telephone customer service is not only incompetent, but also shockingly rude. All the popular customer reviews sites are loaded with expierences like mine, and there's a reason their average rating on most customer review websites is dismal (1 out of 5 star averages on most sites), they are truly awful.