One bad thing to note, they do not report to the CRA on set statement dates. I paid in full 2 days before the statement date and they still reported the whole balance to all the CRA
Most HSBC bank cards, including Orchard, report your balance on the last business day of the month, as of that day. So you can still time your PIF'ing, you just have to do it on a different time plan.
HSBC does like to do its own thing, that's for sure.
Thank you! I will keep that in mind