Please Read! If you own a credit card with the following company Called HSBC. I urge you to cancel your account with this credit card company called HSBC Bank immediately. If you want to replace it their are other credit card companies other than HSBC Bank that you can get a credit card through. Since when does it take a check payment to be processed in 15 days by a credit card company. I get letters in the mail to me in several days. In some cases the next day. My other credit card payments for my non HSBC credit card are cleared in 7-8 days. A company like HSBC shouldn't be allowed to engage in dishonest business practices so that they can charge an unfair dishonest late fee to their credit card customers. I can't believe a company like HSBC Bank can be allowed to charge a late fee to a customer buy not processing their payment when received. This is an unfair, dishonest and bad practice that HSBC Bank should not be allowed to engage in.

If you have ever been a vicim of credit card companies. you do have rights and your voice can be heard.
Report the company to your state's attorney general's office. You can find links to your state's AG website at:
Address: Richard J. Hughes Justice Complex, 25 Market St., CN 080, Trenton, NJ 08625. Tel:(609)292-8740.

Report the company to your elected representatives. You can find their email / mailing addresses at:

Office of the Comptroller of the Currency
Formal written complaint to the OCC about a national bank or its operating subsidiary:
Customer Assistance Group,1301 McKinney Street,Suite 3450,Houston, TX 77010. 202-874-4700.

Report the company to banking regulators. Their mailing address is:
Division of Credit Practices, Bureau of Consumer Protection, Federal Trade Commission, Washington, D.C. 20580. Or file a complaint online at