Do not use HSBC. Other companies are far more user friendly, I had several late payments, literally the payment came in on the 30th day, nearly 3 years ago, I paid my account off early with them, they refuse to remove those late payments, stating B.S. about the law, requires to report accurate information. This absolute fallacy, it is up to the creditors discretion, and many other companies will remove a late payment in "Good Will" if you basically send them a "Good Will" letter asking them to remove from credit report in good kindness and have shown a pattern of paying on time. There is nothing illegal about it, actually, do a search here, and HSBC Credit Card branch seems to do it quite willingly. HSBC Auto is horrible, they won't do it. Basically, if a Creditor isn't willing to work with it's customers, I say screw them go somewhere else, just my two cents, do not use HSBC for an auto loan.
