Very difficult to contact by phone, dislike the robot you have to talk to, they take you on a trip round the world before they come up with solution.
Their customer service is incredibly bad. I lodged a complaint with them 7 weeks ago and they still haven't provided a solution, just a 'we are still looking into it' response.
Excellent at checking on possible fraudulent activity. When I was worried about certain entries on my card, it was so quick and easy to have the card cancelled and replaced. The customer service was excellent.
This credit card has multiple tiers in Qantas Frequent Flyer point accumulation. That is, one point for each dollar spent using the card if your balance is less than $3,000 a month. After reaching this threshold, you will be awarded 0.5 points for each dollar spent. Therefore, it gives cardholders less value compared to other cards.
After missing a payment by two days thanks to other banks being delayed, HSBC cancelled the card and now I have only a payment to make without the use of credit limit which was disappointment especially after being with them for 18 years.
Although their interest rate is high it does not affect us as we pay off our balance at each statement. Their rewards program is great and the points add up quickly and we often redeem for gift vouchers and treat ourselves to free purchases. They are quick to notify us if they feel an unauthorised transaction has taken place, (which none were but we purchased something from overseas which aroused their suspicions )
The only place I have seen good reviews is on here. Which to me is somewhat suspect. This is the worst bank EVER. Seriously run the other way. I was roped into the credit card and there has been one issue after another. From them randomly canceling the cards (I have had three cards cancelled with explanations of "Sorry we don't know what happened') to just plain old terrible and poor communication and customer service. This "Bank" is an all over fail. I can not wait to finalise credit transfer and get the hell out of this poor excuse of a company. Would not recommend to my worst enemy.
Well for example I haven't been able to make payments recently and they haven't hassled me or debited from my savings account. I guess its up to me! :P just great interest rates etc
Very convenient to use, service is very good too with friendly and helpful staff.
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