Home > Finance > Banking & Personal Finance > Credit Cards > HSBC Gold Card > Review
No image available

User Review

for HSBC Gold Card
See next review "Custmoer support"
4 Stars HSBC Gold Card
7 of 7 Ciao Users found the following review helpful See ratings
Recommendable: Yes

Advantages purchase protection, 0% balance transfer for 6 months

Disadvantages not the lowest APR,

Detailed Rating

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges
Security and Privacy
Ease of Application

The Author

glen.bolton

Author's newest reviews

As an employee in the Cards and Lending section of HSBC, I can give an educated opinion of the card. The bank offers a 0% competitor balance transfer from all store and credit cards (providing there is a sufficient credit available) for 6 months. HSBC, as far as I am aware, is the only finacial institution that pays off the higher rate of interest first so when you make a payment each month, you are paying more off it. When the 6 month comes round, you have paid mainly the higher rate of interest, leaving a lower balance left to clear.

The bank gives the optional direct debit facility for the card. You can choose to pay the minimum or full balance on the card each month. If you pay the minimum, you can pay extra, as and when you like.

There is, as standard with the card, not an optional extra, a purchase safeguard, so you can pay for goods and they are covered for up to 90 days against loss, theft or damage.

You can, for an additional fee (78p per £100 outstanding on the card balance), choose optional repayment protection against accident, sickness and disability, and Cardguard (from £15 per year). Cardguard protects ALL your bank, store and credit cards against loss or theft, anywhere in the world, 24/7/365. It can also cover the cost of replacing passports and drivers licences.

The card may not have lowest annual percentage rate on the market, but the package is second to none. If you are wanting a card that gives you flexibility of payments and excellent customer care, I would recommend the HSBC Gold Card.

Rate this User Review

How helpful was this review to you? Rating guidelines

Attention, this is the first review from this author

Instead of giving a negative rating, consider:

  • Help this member by giving your advice

  • Report fraud (for example plagiarism) or other issue with the review to the Ciao support team

Activate low rating buttons

Add your comment

 Post comment  Post comment

JavaScript should be enabled to rate or post a comment.

Comments

Maybe you have a question about HSBC Gold Card? Ask here
Previous page Next page Page 1 of 2 | 1 - 5 out of 8 comments
  • nereesa85 28/07/2007 17:22
    Rated this review as
    Helpful
  • chizzie 08/02/2004 21:34

    I cant view the review - dont know if its a fault or just my comp. Will try again later and then rate it for you

  • Plymyphil 03/01/2004 12:34
    Rated this review as
    Helpful
  • AnitaM 14/11/2003 14:39
    Rated this review as
    Helpful
  • ClaireG86 13/11/2003 13:59
    Rated this review as
    Helpful
Previous page Next page Page 1 of 2 | 1 - 5 out of 8 comments

More reviews

for HSBC Gold Card
  • 5 Stars gold is gold 10/12/2002
    10 of 10 Ciao Users found the following review helpful
  • 5 Stars Custmoer support 13/06/2003
    3 of 13 Ciao Users found the following review helpful