I have about a dozen credit cards, all in good standing, I never had a bad banking experience until I got HSBC last year. Since then it has been nothing but bad experiences. I simply used my card, which was enough for them to repeatedly freeze it. They tell me to call in about the "suspicious" purchases. When I call in they asked me to answer some questions to verify my identity, I answer all the quetions correctly; Then they tell me to provide them my "access code" so I dug through some year-old paperwork and gave it to them; Then they tell me to email them a copy of my drivers license and a current electric bill, I do that too. Now they insist that I go to one of their branches to show my ID to a bank teller...their nearest branch is 60 miles away (120 miles round trip). There is no end to the amount of your time they are willing to waste. There are lots of credit card companies, you don't want to apply for their card, it's not worth it. They are inept, disrepectful, and their horrible customer service is well documented on sites like this...they have a TERRIBLE reputation across all customer-review platforms. Avoid HSBC as if your credit rating depends on it.