Originally Posted by
garykung
Its AF is free with the account. The AF you are quoted is the one without the account..
Is it? That website's T&C say: "
A $395 Annual Fee will apply for HSBC Premier World Mastercard® credit card account clients who have a qualifying U.S. HSBC Premier checking account relationship"
My experience with HSBC bankers at my local branch has been highly negative. Broken appointments, calls not returned, emails not returned, uncompetitive lending rates, issues using A2A / bank to bank that I did not have with other big US banks, indifferent branch staff, inconvenient locations, etc. I'm willing to consider that Citi is worse, but my experience as an HSBC Premier relationship client has been subpar.