JH in Pennsylvania said: “HSBC RS was having web difficulties when I went to make a payment last week. So once I got through to the web site the next day, I submitted payment (which took 4 days to go through) and I was slapped with a $39 late fee. Note that the minimum payment was $10 and I’ve been making payments of over $200 each month. These guys are snakes. How convenient that the web site goes down so often.”