During the short time that I have had my HSBC Retail credit card I have had nothing but issues with their customer service department. A simple request constantly turns into an hour long phone call where I keep getting transferred around. They aren't consistent with the stores that sell their product. The store tells me one thing and the customer service tells me another. I am cancelling my account and advising other people not to waste their time with this company. All they know how to do is say sorry instead of making a negative experience into a positive one. Thank you HSBC for waiting my time.