HSBC Gold Mastercard® credit card

I applied online it took them 3 weeks to finalise my application. Then when I finally got the card 2 more weeks after it was a nightmare getting some one from customer service on the phone to answer simple questions because I was been transfert from one agent to another. Horrible experience . I end up closing the account 2 months further down the road. DONT DO IT.

Customer service was horrible. Certified my check online, then kept rejecting the payment! Charging me a fee as well! Why would the web site say I entered my parents u ment source correctly, yet keep rejecting my payment!!

Beware that the 0 APR for 18 months is only for balance transfers and not for purchases. They make it seem otherwise.  The app and website is the worst I’ve ever seen and the costumer service is horrible. 

Bad customer service!

I got this as a balance transfer card because of 18 months/no interest. This is the absolute worst experience I have ever had with a credit card, or simply any customer service i have ever dealt with.  i have 'missed' multiple payments due to their incorrect inputting of my info, which has impacted my credit score negatively.  There is not way to make an online payment, and they send no confirmation to you when you tdo make a payment.  I've had to call, spending over a half hour on the phone every time, to make my on time payments, only for them to input info wrong or not process the payment, resulting in my being considered past due and incurring fees. Customer service is a nightmare and is not helpful at all, anything you want to do other than make a payment (which they cant even accomplish succesfully) they will refer you to someone else, who in my experience cant resolve anything either.  I would advise anyone considering applying to stay as far away as possible.  This has been a nightmare without an end in sight, my account is now considered clsoed due to their incompetence and I am powerless in trying to change that.  I am reporting them to consumer affairs and the BBB as they constantly fail to prpovide the service they advertise.  

I have an 800 Equifax and 790 Transunion and was denied. These people are a joke. No wonder their namesake has been hounded by regulators.

I have an high credit score and was approved for the card instantly but only for about half of the credit amount of that I need. It's somewhat annoying since I'm trying to balance transfer from a old card and the approved amount doesn't meet the balance transfer amount that I need. However, I will be cunning and split the transfers up into 2 transfers. Also, I called to activate the card, and then asked to be transferred to start a balance transfer. During this call, I have been transferred twice and have now been on hold for more than 10 minutes......RIDICULOUS. It's almost like they want me to give up and not do the balance transfer at all. Definitely not off to a good start. I've dealt with Citibank for years and will likely end up closing this account and going back to them.