I had this credit card for over seven years. This is one of the first credit card I receive which help me establish my credit. This card help you earn rewards by using the cards towards everyday purchases such as groceries and etc. The points accumulate into you are able to get credit on your card or great gift certificates for your family and friends.

I am a young professional with good credit. This is my first credit card, and I love it. I've had nothing but good experience with it! Last summer, using the points I built up from making purchases I was able to fly across the country for vacation. I would recommend this if you're looking for something simple.

It's not a great card, their customer service is not that wonderful either -- use caution with HSBC cards -- they also service Best Buy and I've had terrible customer service with them as well; that means a lot to people when you're dealing money.

this is the other card i use apart from a citicard.. both are mastercards but this is added with a cash back offer which i couldnt resist to take up.there are some restrictions on the cash back limits but still its very good thing atleast some savings.. good one

This is one of the best credit cards I have used. The grace period for default is way higher than what other banks provide and the interest rate is considerably lesser.