They are inefficient, they took 1 month to process my credit card application, even after asking for supplementary documents, they said the document might be not clear. I submitted the document through their branch, they took the original document from one of the local University and made a photocopy of it! I keep calling everyday, until I decided to go to their branch personally. They said they'll give me the result within this week, and today is the last day of the week (I don't think they work on Sunday), and they still can't give me the answer. How long should I wait? If you think of applying for HSBC credit card, thinking that they are efficient and meet international standard, think twice!!