HSBC Credit Card
Credit card not received and service fee charged for two years

I have an HSBC credit card which expired on dec.

I did not receive a new card. I was however charged for 2 years 2009 and 2010.

The person I spoke to told me that I must make a request for a new card when it expires. The fees cannot be reversed. So basically, I was charged for the card which I didnt have.

Moral of the story: Do not BANK with HSBC. They just want all your money and dont give a sh** about you.

(most banks want your money, but to maintain goodwill of the customer, they will generally reverse such charges)