HSBC is an immoral, vile and satanic organisation, with no shame in its double standards (google "HSBC fines"). My experience is that they irresponsibly kept increasing my credit card limit (without me asking) and allowing me to build up debts - both on that and with overdraft and loans. I irresponsibly kept spending the money. When I realised I was in trouble and needed to do something about it, they hit me with a 16% consolidation loan despite advertising loan rates as low as 3.3% at the time. I have no CCJs or bad credit. The terms of the loan have just about finished me off. They are nothing more than loan sharks with zero moral fibre. They are the "High Street Banking C***s".