I have not seen a monthly statement from HSBC for some time, even though I regularly make monthly payments to them. I've been charging my gas and meds, plus other things on occasion, on my Costco card for the sake of convenience. Costco contracts out their credit business to HSBC. I've written to them, asking for an accounting, so I can see where I stand, but have not received a response. Now I find on this website that there are many horror stories of fraudulent behavior by HSBC and am very worried I have become a victim of their cheating and chiseling. My next letter is going to the Washington State Attorney General's Consumer Protection Office, with a copy to Costco noting my great displeasure at their credit practices.