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I got a credit card with them a few years back and immediately regretted it. Their tech (website, security, etc) seems okay at first glance, but almost immedia

I got a credit card with them a few years back and immediately regretted it. Their tech (website, security, etc) seems okay at first glance, but almost immediately it turned into agony. Even just logging in is a chore, and often doesn't work. Their two-factor implementation is a mess. In short order, I cut the card up. Still get sad emails (which they provide no way to stop) begging me to use it. Also, interviewed at MongoDB once. Couldn't shake the feeling of a cult, where everyone was careful not to speak of the product's serious limitations.

drevil-v2 6y ago
Haha I feel this. Did you also have the credit card sized token generator with a keypad? How convoluted was that login process? Agony is the correct term!!
- jen20 6y ago
  I had forgotten about this but the dumb 2FA generator is the reason I switched away from HSBC for Citibank (UK) many years ago!
ddalex 6y ago
I dunno. I am banking with them (also other banks) and they are pretty good - most of the other banks face similar problems around the same areas, which I ascribe to very strict regulation.
ansible 6y ago
Cutting up the credit card is good, but you may want to officially close the account.
- downerending 6y ago
  Considered it, though by the strange rules of the US credit system, it would harm my credit score to do so.
mathattack 6y ago
Sounds like a marriage made in heaven between these two.
quickthrowman 6y ago
I also have an HSBC credit card. I am unable to pay my card balance on the app, I have to log in to the website and get redirected to a separate web app to make payments on it. I’m keeping the account open and paying a single monthly recurring bill so I only have to do this once a month. All my other credit card balances can be paid down through their corresponding app.
- davchana 6y ago
  Do they offer auto pay?
amaccuish 6y ago
> Even just logging in is a chore, and often doesn't work. Their two-factor implementation is a mess. My parents switched from Lloyds (UK) to HSBC and are looking to switch again. You can't have multiple devices logged in. I.e. you can log in just fine on your "security key" device (say a phone), but if you want to login on your iPad to check something, you have to get a code from the app on your phone. Absolutely pointless.

drevil-v2 6y ago

Haha I feel this. Did you also have the credit card sized token generator with a keypad? How convoluted was that login process? Agony is the correct term!!

jen20 6y ago
I had forgotten about this but the dumb 2FA generator is the reason I switched away from HSBC for Citibank (UK) many years ago!

ddalex 6y ago

I dunno. I am banking with them (also other banks) and they are pretty good - most of the other banks face similar problems around the same areas, which I ascribe to very strict regulation.

ansible 6y ago

Cutting up the credit card is good, but you may want to officially close the account.

downerending 6y ago
Considered it, though by the strange rules of the US credit system, it would harm my credit score to do so.

mathattack 6y ago

Sounds like a marriage made in heaven between these two.

quickthrowman 6y ago

I also have an HSBC credit card. I am unable to pay my card balance on the app, I have to log in to the website and get redirected to a separate web app to make payments on it. I’m keeping the account open and paying a single monthly recurring bill so I only have to do this once a month. All my other credit card balances can be paid down through their corresponding app.

davchana 6y ago
Do they offer auto pay?

amaccuish 6y ago

> Even just logging in is a chore, and often doesn't work. Their two-factor implementation is a mess. My parents switched from Lloyds (UK) to HSBC and are looking to switch again. You can't have multiple devices logged in. I.e. you can log in just fine on your "security key" device (say a phone), but if you want to login on your iPad to check something, you have to get a code from the app on your phone. Absolutely pointless.