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None. I cancel the credit card because I was unhappy with the customer service and the business practice. The credit card was cancelled XX/XX/XXXX but despite numerous attempts to close the credit card account ( each time I was told the error had been corrected, the account was closed with XXXX balance ). These attempts including reach out to Consumer Financial Protection agency ( Case # XXXX & XXXX ). So far, I have XXXX written confirmation letters from HSBC pertaining to the closing of credit card. But despite the confirmation letters, HSBC decides to harass me yet again about the account that I close XX/XX/XXXX and demand payments. There is very little an individual can do against a big financial institution like HSBC. I was diligent in making payments, contacting the bank to close the