Once you become a customer of HSBC, you are marked for an endless series of automated telemarketing calls several times a day starting at some future date. They have a number that supposedly allows you to drop off their telemarketing list - after you get 60 more days of 6 calls a day, that is. More information at http://www.800-446-1022.com/ and http://800notes.com/Phone.aspx/1-800-446-1022 If they have to resort to massive automated telemarketing, they might be on the verge of being shut down anyway.