By far the worse experience I have ever had with a bank. Credit card account was blocked by HSBC for what they call unknown reasons. Asked them to unlock the account they said they need to send me a code via the post. Didn't receive it. So called again. They said they would send it again. Didn't receive it. Called again asking for my credit card balance as by this time I had enough. They couldn't give me a balance. Stated they need to send me a code first. Haven't received it. So if cancelled my direct debit. And I'm sure they will contact me saying. Sorry sir your direct debit has been cancelled you need to pay today. Sure I'll say. How much is my balance. I'll then pay it all off. Cancel the card and live happy ever after. Please stay away from these useless people. Thank you