hsbc is decent
Overall rating for me would be a seven. In comparison to other cards I have it is pretty decent. The biggest drawback is that you have to use it a lot in order to take advantage of the rewards. It takes a ton of rewards credits to get anything of value. Really not worth it. I have dealt with customer service before, they were very professional and courteous but very hard to understand since they speak English but with heavy accents.
thersamo
USA