#cc hsbc

del'fi and swiss stamps and blinkies

Also CC saying sophomoric, also being a reference to satyr society.

Ly'lac: Maid of Doom AA: Sylph of Hope Dagger: Rogue/Thief of Space Swiss: Page of Life Bobo: Bard of Void/Mind T: Knight/Rogue of Breath Vrissy: Witch/Mage of Mind Harry: Mage of Time Yiffy: Thief of Rage/Blood Tavvy: Heir of Blood/Rage

+some alt versions for some of them but I believe the first one more

Hey, finance friends! 👋 I’ve been seeing a lot of chatter online about how some HSBC Bank Credit Cards might not be as good as they used to be. A lot of people are pointing out that the benefits, especially for things like cinema tickets, have gotten a bit harder to unlock. And honestly, I get it. It's frustrating when you sign up for a card for a specific perk and then it changes! 😒

So I wanted to dig into this and figure out if my own HSBC card is still a good fit for me. And I thought I'd share my thoughts and what I found with you all. Because let's be real, a credit card should work for you, not the other way around.

The Different Flavours of HSBC Cards 🍦

HSBC has a bunch of different cards, and they're all made for different kinds of people.

For the "I just want to save money" people: Their cashback card is awesome for this. It gives you a percentage of your money back on things you buy every day, like food delivery and groceries. It’s super simple, and you don’t have to deal with complicated points systems. It's perfect for a minimalist wallet!

For the "I'm always on the go" people: If you travel a lot, then their Premier and TravelOne cards are where it's at. They offer some seriously cool perks, like complimentary airport lounge access all over the world. They also give you more points for spending on flights and hotels. The trick is to make sure you'll actually use these benefits, because they often come with higher annual fees.

The Annoying Part: Benefits Can Change! 💔

This is the part that everyone complains about. A lot of us get a credit card because of a specific welcome offer or an ongoing benefit. But over time, banks can change those terms. For instance, a "buy one, get one" movie ticket offer might suddenly require you to spend a lot more on your card to be eligible.

It's a bummer, but it's part of the game. Banks change their offers to keep up with the market, but for us users, it feels like the rug is being pulled out from under us. This is why you should never get a credit card just for one single perk. You have to look at the whole picture!

My Takeaway: What Should You Do? 🤔

Before you get rid of your HSBC Bank Credit Cards, or apply for a new one, here's my advice:

Audit Your Own Spending: Grab your last few credit card statements. What are you actually spending your money on? If it's mostly on dining and food, a cashback card might be better. If it's on flights and hotels, a travel card might be your best bet.

Don’t Just Look at the Perks: Look at the fees! A card might have amazing benefits, but if the annual fee is super high and you don't use the perks enough to justify it, you might be losing money in the long run.

Read the Fine Print: I know, it’s boring. But it's so important! That's where you'll find out about any changes to the benefits and any hidden fees.