They will take your money as they did mine. I went over limit once and they added so many fees it took me 4 months just to get it under my credit limit. Now I have been paying on time for over 3 years and I called to get my rates lowered from 20%. This is the only outrageous card I have, all others are %5-10.
Every time you call customer service you will speak with a foriegner from India. If you ask for a lower rate, it takes them seconds to say, "Sorry but there are no lower rates for you, but you can try again later." Over 6 mos of hearing this stuff from these people.
HSBC / GM Card is the worst credit card company I have ever had. They will not work with you at all.
I know that the 0% interest rates look attractive, but don't miss a payment or go over limit, or you will be pay up to (. HSBC is cheap, and lazy, and just rob America blind. I would rather give my money to Goldman Sach then the GM Card. Just stay away from them please. I don't want to see anyone end up like me.
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