Re:tell em how you feel... (Score 1)

I have an HSBC debit card. My credit score is in the high 800's. Since I only like to spend money I actually have, they make sense to me.

With a debit card, if someone ever steals your card or its number they can drain your entire checking account and that money is gone.

Not true. As it happens, just recently my debit card was used fraudulently online, and pretty much emptied the account to the tune of ~$4,500. The bank phoned me up, asked me which of the purchases were mine, I told them, and they ordered me a new (unactivated, for the record) debit card, refunded (immediately, as in, the money was there when I logged in while talking to the agent on the phone) all the cash, and asked me if there was anything else they could do. The new card arrived two days later by courier (and the courier company phoned me the night before to tell me I should expect a to-sign-for package). All told, I'm pretty impressed with HSBC. It's the only bank I know of where you can see accounts in different countries and transfer money internationally in real-time. Since I'm a Brit living in the US, this helps me a lot. I can transfer money from my US account to my UK account, then immediately transfer funds from my UK account to pay bills/family members/whatever. Way better than my "toys" account at Wells Fargo, who don't actually let you transfer money out of your account to another bank via their online system. HSBC on the other hand have an online form where you type in the details, and if it can't be done automatically, a human will do all the leg-work for you, so I can transfer money out of Wells Fargo using the HSBC website, which is pretty cool too. Simon.

I have an HSBC debit card. My credit score is in the high 800's. Since I only like to spend money I actually have, they make sense to me.

With a debit card, if someone ever steals your card or its number they can drain your entire checking account and that money is gone.

Not true. As it happens, just recently my debit card was used fraudulently online, and pretty much emptied the account to the tune of ~$4,500. The bank phoned me up, asked me which of the purchases were mine, I told them, and they ordered me a new (unactivated, for the record) debit card, refunded (immediately, as in, the money was there when I logged in while talking to the agent on the phone) all the cash, and asked me if there was anything else they could do. The new card arrived two days later by courier (and the courier company phoned me the night before to tell me I should expect a to-sign-for package). All told, I'm pretty impressed with HSBC. It's the only bank I know of where you can see accounts in different countries and transfer money internationally in real-time. Since I'm a Brit living in the US, this helps me a lot. I can transfer money from my US account to my UK account, then immediately transfer funds from my UK account to pay bills/family members/whatever. Way better than my "toys" account at Wells Fargo, who don't actually let you transfer money out of your account to another bank via their online system. HSBC on the other hand have an online form where you type in the details, and if it can't be done automatically, a human will do all the leg-work for you, so I can transfer money out of Wells Fargo using the HSBC website, which is pretty cool too. Simon.

I have an HSBC debit card. My credit score is in the high 800's. Since I only like to spend money I actually have, they make sense to me.

With a debit card, if someone ever steals your card or its number they can drain your entire checking account and that money is gone.

Not true. As it happens, just recently my debit card was used fraudulently online, and pretty much emptied the account to the tune of ~$4,500. The bank phoned me up, asked me which of the purchases were mine, I told them, and they ordered me a new (unactivated, for the record) debit card, refunded (immediately, as in, the money was there when I logged in while talking to the agent on the phone) all the cash, and asked me if there was anything else they could do. The new card arrived two days later by courier (and the courier company phoned me the night before to tell me I should expect a to-sign-for package). All told, I'm pretty impressed with HSBC. It's the only bank I know of where you can see accounts in different countries and transfer money internationally in real-time. Since I'm a Brit living in the US, this helps me a lot. I can transfer money from my US account to my UK account, then immediately transfer funds from my UK account to pay bills/family members/whatever. Way better than my "toys" account at Wells Fargo, who don't actually let you transfer money out of your account to another bank via their online system. HSBC on the other hand have an online form where you type in the details, and if it can't be done automatically, a human will do all the leg-work for you, so I can transfer money out of Wells Fargo using the HSBC website, which is pretty cool too. Simon.

Now that's a great bank! I'm with first Niagara and they too have been very good to me. However, if there's been a fraudulent charge on my account, they do there own investigation and refund my money, but it takes about a week. I have always gotten my money back, but the waiting period can be a little tough to handle.