I had my HSBC Platinum MasterCard for many years before I ended up getting rid of most of my credit cards. HSBC didn't make the cut because it didn't have any rewards. What I did like about the card, however, was that it had no annual fee and a very generous credit line. These were big factors for me because my credit was not great when I first applied for this card. I never had any problems with this card whatsoever. They gave credit limit increases regularly and frequently. I had an average interest rate and paid more than the minimum payments each month. I did not expect to qualify for a nice rewards card with my credit, but I gave the card an 8 since it did not have any rewards. I would recommend this card to anyone who doesn't have stellar credit and is looking for a card with no annual fee and a generous credit limit. I know that HSBC has since had some bad publicity, but I would still feel comfortable applying for another card from their bank in the future.