My first credit card with HSBC is this classic visa. I started with a minimal credit limit but I enjoyed the benefits this card has entitles me. HSBC is an international bank so my card has a worldwide acceptance. I seldom travel abroad but I never miss to carry this with me for emergency purposes.
Just like my other credit cards, it gives me convenience doing and making things much easier and lighter. HSBC is one bank that offers the lowest interest rate when it comes to balance transfer promo. They are charging card holders for a month interest rate of 0.70% during their special promo. Others offer 1% or even higher. I availed several installments for my eyeglasses and appliances. The card also has cash advance feature but never uses it. I think the straight charge upon withdrawal is 4% and it will incur a separate interest if it keeps unpaid and remain on my balance.
But in general I appreciate and enjoy being an HSBC classic visa card holder.