Ok...I notice my HSBC credit card has it's APR up to 30% ! I blow my top...I calm down and call them. Credit card companies can lower these rates upon request as a "Courtesy". All of my credit card companies have in the past. I call HSBC and speak to "Carlos" obviously from India, without giving him any of my infomation (although I'm sure it was right in front of him because I had to enter my account number before the call would be answered)I told him I needed to speak with a rep.

that spoke English. He asked what can he do for me. I repeated, that I wanted to speak with someone who spoke English. He put me on hold and hung up on me(accidently, on purpose). I called back, entered my info again to get through, this time another rep. from India answers, I couldn't even understand the name he gave because he couldn't speak Engish. I told him I did not appreciate Carlos hanging up on me. And I told this rep, that I wanted to talk with a supervisor that speaks English. He said there are none. I told him to connect me with a rep. that spoke English and he said there were none. I said, "Are you telling me, in a company as big as HSBC, there isn't even one rep. that speaks English or lives in the US"? He said they are global and no matter how many times I call, I will get someone in India. So, I asked him to transfer me to ANY supervisor, and that I didn't care what language they spoke as long as the can at least understand English. He hung up on me. I called back again...and spoke with "Sabrina" (yeah right), I told Sabrina that I was recording this call because Carlos and the other rep hung up on me and refused to get a supervisor on the phone. She asked me for my name and account number, I told her I will give that info to the supervisor when I get one on the phone. Finally, a person came on the phone, ID'd herself as a supervisor (I don't remember her giving a name), I told her about the two reps that hung up on me, because I wanted to speak with someone who speaks English.

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