I held their credit card for over 15 years. I always paid them even through extended periods of unemployment.in june of last year they raised me to 32% interest not because of non-payment but because I was only sending a little over the minimum. When I tried to negiotiate with them, they were nasty, condescending and disgusting. I tried several times. I even proposed that they should close the card and put me back to my original interest rate and I would pay them. They told me there was no room for negotiation. I did not pay them for one month because I could not get anyone's attention. I then got a credit card counseling service involved that has only succeeded in getting me in chargeoff. I have now gotten a different agency involved. We called HSBC the other day to try again and they just got nasty and hung up the phone. I have never dealt with such disgusting people. They are the only credit issue I am having. I hope they go out of business. I was a long standing customer and was treated like garbage.
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