Dear Mr. Ayyapparaj KV. Please understand that your bad experience would have been because of your way of using the card. It might not be a mistake of HSBC. First of all, you can never use a credit card as a Debit card, even if you have excess money. (atleast as far as I know). Just because you had bad experience, you cannot ask everyone not to go for HSBC card. I have had this card for almost 10 years and till now I had not had any problem. In fact they had reversed the late payment fees for me, so many times. Whenever you get a chance, tell about your problems. But dont advise others not to go for HSBC.
