I became a customer of HSBC in 2006 as a Premier client! They issued me a Premier Master Card. I used it for 6 years and kept it in good standing. I took my cash out of the bank in 2008 0r 2009 but still kept using the Premier credit card since it had a large limit and i didn't have to carry several different cards with me.
Last August, without a proper warning, they downgraded my credit card account to a lesser credit card with less limit while i was still traveling overseas.
I was heart broken that they would do that to me without a proper warning after so many years of business.
Since i was overseas, it was a lot more disappointing. My card got declined in the middle of nowhere and i did not have other cards on me since i had stupidly trusted being a HSBC premier client!
There is nothing wrong with them changing things but i would expect when the relationship ends they would show at least the decency to give you a warning in 3 to 6 months in advance. They supposedly sent out the new terms and conditions which i never receive. It was sent out a week before they actually did the changes and i had already been traveling long before that..
On top of all of this, I was not allowed to redeem my hundred thousands of points through my HSBC Premier Master Card any more but through the lesser card that had very few options and not the advantages of the Premier card. THEY WERE THE POINTS I ACCUMULATED WHILE USING THE HSBC PREMIER MASTER CARD!!! As far as i am concerned they are thieves!!! This is no way of making business!!! I will never ever work with hsbc again!
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