Yeah, they are the worst. Especially, considering, I told them the date to draft on, all they had to say, is draft has to be made on the 29 day, and it was done. Granted it's my fault for not paying on time, however, i was not trying to get 30 days past due or any blemish on my credit report. Bottom line, is HSBC, is not a consumer friendly corporation and the best way to get a corporation to listen as a consumer is to to not use them.