Here are some reasons to dump your HSBC Mastercard and ways to navigate their intentionally contradictory dispute process:

- 12.9% interest is almost 12% above Prime. Don't let them rob you blind.
- If you have a credit card dispute, expect the HSBC will sit on the dispute for over 90 days. They have a policy of requiring that you file a claim within 30 days. They also say that the claim is within 90 days. When cornered on a phone called one of the staff, "Johnny" (like Johnny Cat) said he would process a dispute if I lied and claimed that I didn't expect the product until recently.
- When I sent in a dispute via mail, they lost it.
- When I asked for their street address, they refused to give it. If you intend on suing them, you should have their street address.
- If a dispute is unsuccessful, Mastercard will charge your account $600.
- If you resolve the dispute via a small claims court action, the filing fee is usually under $300. The judge can award you the filing fee cost in your award. In small claims, legal fees are inadmissible as an award. In other words, HSBC Mastercard will send a lawyer on auto pilot. Should you lose, the judge cannot hand you their lawyer's costs. - So, if you are in doubt about the success of your claim, it's much cheaper to sue HSBC Mastercard rather than use the dispute process.
- If you get scammed by an online site like Google Revolution, wherein they ding you a small amount up front and a recurring fee of $73.83 per month, according to Johnny, your only way to recoup the subscription scams and the $1.27 is to claim that you did not receive the goods they promised. You need to claim that you didn't receive the product in your claim and that is the basis of your dispute.

HSBC will try to weasel out of allowing you to reverse a fraudulent charge. There are ways to prevent them from capitalizing on your misfortune.