HSBC APR on my account is 29.99% for the last 5 to 7 years. I was never late for at least 5 years. I asked for a lowerr rate on three occasions to avail. The reply was always "not availabe at this time". I made a decision to pay off the amount and never used the card again and If I do would pay on the charge. It so happend I tried to make a purchase on line using my Chase card but was unable to access the account. I made the charge for $199.12 on HSBC credit card and paid HSBC immediately however the following moring I cancelled the purchase. That left me with a suplus balance. The following day I went to Chase and made a transfer. To my surprise HSBC charged me a Cash Advance Fee. I just could not believe it.
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