HSBC uses unfair practices in how they charge late and over the limit fees. They take longer than others to give credit for payments. I have sometimes paid online on the day due but then charged a late fee because of the delay in giving me the credit. What makes it even worse is that the credit was given before the actual closing date. I think it is really unfair to charge a late fee it the payment is made before closing even if it is not right on the due date. If I make a payment to capital one by 3pm I get credit for it that day and any charges are taken after the credit is given even if they...