HSBC started my account with 19.9% intrest which is ridiculous (trying to build credit up) I was a trusting soul did not even look at intrest anount for about 4 months thrn noticed thry had uprd it for no apparent reason to 29.9 I went back and looked they changed it after the 1st payment, tried to deal with customer support rude, rude rude ask for supervisor just got ruder. Then they charged my account late fees if it was not paid y at least the day before due, I thought it was until midnight of the due date. I paid online and it was dated for the day due but the said they did not receive it that day so it was my fault.
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