HSBC card is it any good?

thyme_2

I applied to HSBC over the New Year and had my approval letter dated 4th Jan. The card came through fairly early within the 10 days they quoted. So I was well pleased. I must have been dealing with the teetotals!

Tr@cker

It took them 2 months to process my application and i eventually got the card with a £1750 limit, a bit skinny but even so 9 months at 0% interest is a fair saving over against the same amount on a standard rate card.
No on-line management though unless you have a current account with HSBC, i make my payments in cash over the counter at their branches.
I guess there must have been a big demand before Xmas as their deal was one of the best available at the time with no BT fee so i suppose that might have had something to do with the delay.

K9cuddles

Tr&#64 wrote: »

No on-line management though unless you have a current account with HSBC, i make my payments in cash over the counter at their branches.

I've got online management with mine! you just sign up as normal as if you had a HSBC current account!

gingercordial

K9cuddles wrote:

I've got online management with mine!

Yes, I've got it for mine too!

gingercordial

bylromarha wrote:

it's probably because you live in London...the incidents of credit card theft via royal mail are through the roof in your area.

Not just credit cards... I have so much post go missing :mad: ... but that's a whole different rant!

K9cuddles

gingercordial wrote:

Not just credit cards... I have so much post go missing :mad: ... but that's a whole different rant!

My employee won't send ANY cheques to London.. payment has to be by direct credit.

Tr@cker

When you say on-line management what do you mean ? I registered, ive got access to balances but cant pay on-line and customer services confirmed i couldn't pay on-line unless i had an HSBC current account, i dont call this on-line management

gingercordial

Tr&#64 wrote: »

When you say on-line management what do you mean ? I registered, ive got access to balances but cant pay on-line and customer services confirmed i couldn't pay on-line unless i had an HSBC current account, i dont call this on-line management

You're right, I took a proper look around it today and it's very limited. I hadn't noticed as I use my current account (with another bank) to make all my payments rather than doing it via the credit card's online banking, all I needed HSBC online for was to check balances.

Not a very nice interface is it?

gingercordial

Further to this thread (about HSBC Visa rather than the Mastercard which I have):
http://forums.moneysavingexpert.com/showthread.html?t=172476

I had a note with my statement today saying that they will be applying a BT fee in future, 2% uncapped. Effective 1 May 2006.

Bisoy

I went to our local branch to apply but I was asked to bring for a bank statement and unfortunately I do'nt have any as I bank with A & L and if I'll get a copy from A & L it will be £5 and I have been told that they start applying BT fee 1st of May.

I also rang my mate tonight having applied last 14/02/06 and been successful but has been waiting for her card to arrive in her doorstep.