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Posted by
OK. .. I notice my HSBC credit card has its APR up to 30% ! I blow my top. .. I calm down and call them. Credit card companies can lower these rates upon request as a "Courtesy". All of my credit card companies have in the past. I call HSBC and speak to "Carlos" obviously from India, without giving him any of my information (although I'm sure it was right in front of him because I had to enter my account number before the call would be answered)I told him I needed to speak with a rep that spoke English. He asked what can he do for me. I repeated, that I wanted to speak with someone who spoke English. He put me on hold and hung up on me (accidentally, on purpose).
I called back, entered my info again to get through, this time another rep from India answers, I couldn't even understand the name he gave because he couldn't speak English. I told him I did not appreciate Carlos hanging up on me. And I told this rep, that I wanted to talk with a supervisor that speaks English. He said there are none. I told him to connect me with a rep that spoke English and he said there were none. I said, "Are you telling me, in a company as big as HSBC, there isn't even one rep that speaks English or lives in the US"? He said they are global and no matter how many times I call, I will get someone in India. So, I asked him to transfer me to ANY supervisor, and that I didn't care what language they spoke as long as the can at least understand English. He hung up on me. I called back again... and spoke with "Sabrina" (yeah right), I told Sabrina that I was recording this call because Carlos and the other rep hung up on me and refused to get a supervisor on the phone. She asked me for my name and account number, I told her I will give that info to the supervisor when I get one on the phone.
Finally, a person came on the phone, ID'd herself as a supervisor (I don't remember her giving a name), I told her about the two reps that hung up on me, because I wanted to speak with someone who speaks English. She asked me if I was recording the call, (I guess "Sabrina" told her)I told her yes, I was. She told me if I didn't stop the recorder she was disconnecting the call. I asked her what the big deal is, because I was informed by them that they may be recording the same call. She said again, if I was recording the call, she would disconnect... so I said... "OK, I shut the tape off"... I didn't though. She told me charging 30% isn't uncommon for them, and basically they can charge anywhere from 17.99 and up... I told her I've worked with credit cards for over 10 years, and I know they can bring the rate down for those with a good credit history with their company and being that I've never missed any payments and was never late on any, all of my other creditors have dropped theirs for me. I told them they should be raising the fees on the people who default on their agreement instead of the ones that don't.
She said there is nothing she can do about it, they have no special offers going on at this time, and I hung up on her. I'm not even sure what HSBC is, but they took over the original creditor, Household Finance... maybe they are the same, but just changed their name, I don't know, but I do know that there is no way I will pay 30% on any account. If I have to transfer the balance to another account, I will... but I'm not paying all those fees to feed the smart assed mouths in India!
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AZJEM on 09/11/2005:
I have two different lines of credit from different stores and when I got the bill I found out they were from the HSBC bank. I have and excellent credit rating and have low interest on other cards...except this company. If you actually paid the minimum due (which I never ever would do) you are actually paying more out then they are applying to your loan. It's legal loan sharking at its worst. These babies are being paid off in full in the next month or so and shredded to pieces. Shameful isn't it?
DebtorBasher on 09/11/2005:
I agree! Mine will be transferred to another lower rate card.
bill on 09/11/2005:
HSBC is Hong Kong Singapore BanCorp. They bought out Household, Orchard Bank and a couple others.
DebtorBasher on 09/11/2005:
Thanks for that info, Bill.
Ponie on 09/12/2005:
Glad I don't have that 'silly' problem! Of the 8 credit cards I use, each is paid in full each month. It's not that I have bushels of money--I just budget effectively.
squeekie on 03/08/2006:
HSBC sucks! they havecrazy aprs. my husband has a loan with them for 5k but because they tack on the interest ahead of time it looks like the loan is overdrawn, and its current. I can't wait to be done with them. we arte just going to keep giving a little extra to it every month so it lowers the amount quicker
JUICE ANN on 03/02/2007:
Be glad at this juncture, you are where you are at. HSBC created a Master Card account, which no one would verify.
HSBC , after HSBC RECEIVED within 7 mo. 3 certified-signed received letters demanding paper/plastic/.
HSBC VERIFY NONE. My attorney, I've already submitted my documents.
We will file a class action suit.
Guess we are not the only???????????
tdub.u22u on 09/29/2007:
I read your posting, you were talking to the reps at the company demanding to speak to someone who speaks English. Well obviously they spoke English to tell you they were all from India. You are just an ignorant, racist a-hole! It's no wonder that everyone hates americans, because of jerks like you! I have a car loan through HSBC & I think they are a piece of crap company too. But people like you just piss me off. Maybe her English wasn't perfect, but how many foreign languages do you speak? My guess is ZERO! Imagine having to help someone on the phone from Norway, what would you do? Blame the stupid ass American companies for shipping the jobs overseas in the first place! In the meantime, go whistle yankee doodle dandy up a flag pole! - ASS!
jktshff1 on 09/29/2007:
tdub, I was agreeing with you until after the second sentence. The rest of your comment was as racist a rant against Americans. as you state the op is.
It is possible that the poster was having trouble completely understanding a particular strong accent. It is important on both sides that there is clear understanding and a meeting of the minds of the questions and answers.
BTW, blame the American Companies and their workers, for helping the US to get to a point, that it has to export jobs and contribute a significant amount to the global economy.
If America is so hated, why are more people trying to immigrate here than any other country?
And no, the majority of Americans are not bilingual (Spanish possibly the exception). We don't have to be. People legally entering the US are welcomed and encouraged to assimilate into society and become productive. Newly released statistics show that American per capita productivity is the highest in the world. There would be no global economy without the US.
Tell you what, the next time there is a natural disaster, plague, someone that needs defending, another major contribution to the UN.....
The greatest thing about the US is that ANYONE (emphasis) can be as much as they are willing to work for and attain, and have the right to do so.
The downside of our beloved freedom is that is also gives the right for someone to have STUPID written on their forehead..and there are a lot of them out there.
tdub.u22u on 09/29/2007:
I'll tell you why people from south of the border are trying to get up here. American companies that move down to me-hi-co treat their employees sven more shi%#y than they do here. No competetive wages, no benefits, & oh yeah no OSHA looking over their back so they can pollute & do whatever thay want. Why do you think they moved there STUPID! There was just a story in AZ where 2 illegals almost died because they stowed away in a shipping container that had new Dodge trucks in them. Boy must have been real tough to decide to run away from that great production line job for quality American products. - NOT!Real wages & buying power have been on the decline for over a decade!
Also you said: Newly released statistics show that American per capita productivity is the highest in the world. There would be no global economy without the US.
Sure, and those same statistics will tell you that we are ranked in the 40's amongst countries for life expectancy. We are overworked & underpaid, take the least vacations & are ridiculed as being the FATTEST country on earth. Not to mention we have the most people incarcerated of any country on the planet. More than Saudi Arabia, Iran, China etc. etc. It must be nice to sit high & mighty & CHERRY PICK your statistics. so to get your "meeting of the minds" & other dribble . . . look at all the facts.
Also you said: "And no, the majority of Americans are not bilingual (Spanish possibly the exception). We don't have to be."
This is exactly the American cave man mentality that I am talking about. We are in a global economy now, I live on a border state & to remain competetive, I learned Spanish, I also know some Thai even though I grew up in an Irish catholic family. People who choose to keep their blinders on will ensure the downfall of American superiority to China & the E.U. - something I DON'T want by the way.
In conclusion, - YES I love this country, and BIG YES it sucks where it is going. But I care about it enough to get fired up about these issues and not just wave a flag. - ASS!
smoked on 01/20/2009:
Do what did cut the dam thing up and send it back to them with a nice F-you letter:)
Principissa on 01/20/2009:
I'd be angry as well. If these companies are going to hire people who do not speak English as their primary language they better make darn sure that these people can speak and be understood by their customers.
DB cut the card up and send it back to them with a letter telling them why you are taking your business elsewhere.
DebtorBasher on 01/20/2009:
Princi...that card is looong gone. This review was from 2005 and I didn't even remember writing it...I must have realllly been upset. Anyway, it was interesting to read and who was the DebtorBasher who said a word from the Basher's "No-No Word" book? Geesh....I'll have to add .50 in my own swear jar...but honestly, I think someone hacked my review and posted that to make it look like it was me!
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HSBC, Best Buy and Deceptive Practices
Posted by
My wife and I bought a large TV at Best Buy. My wife and I thought it was a large enough purchase, so we bought the coverage to protect us if one of us was disabled or if we lost our jobs. It was quite a large investment so we thought that was a good deal. The problem is, the deal is scam.
We were paying for the TV for quite a while and then, my wife lost her job. She wanted to see if she could get a job before leaning on the service policy we bought for just such an occasion. When it was obvious that she was not going to find a job quickly, she filed with HSBC, who was the lender BEST BUY USES. They said there was a time limit and that we were one or two days late. 1. There was never any mention of time limits. We just tried to do the right thing, and they used something we never saw. WE have tried to get the entire contract several times, but to no avail.
Best Buy just says, "we are not responsible," and just washes their hands of it. I wish I could lead folks down the path to destruction and then just say, "I am not responsible." Like shooting fish in a barrel. (In my humble opinion, Best Buy is responsible to the public for the instiutions they bring under under their roof and use as reputable companies. We, the consumer, who bought merchandise under their roof and are taking their lender at their request, IS responsible! We depend on them to steer us in the right direction. Otherwise, the should tell people up front that we have to find our own lenders when we make a purchase. Best Buys tacit agreement with these crooks makes them culpable. They are in enough hot water already. You would think this would be something that they would not like to be tangled up with. HSBC is clearly one of those dirty institutions with tons of complaints about things I would call fraud, but won't because I have not read the doc on those complaints, so can't really accuse them in those cases. As with our case, you don't need to see a fish to know there is something rotten in the area...
We will end up getting an attorney over this, but I wanted to let folks know up front what they will be dealing with if they buy something from Best Buy on terms. This will be our last not-so-Best Buy from this sinking ship... I say good riddance. One more dirty organization taken out by trying to do as little as possible for its potential customers, (suckers).
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trmn8r on 07/05/2012:
What WERE the terms?
Did you have a loan that came with alleged protection in case of not being able to pay? Is the time limit they came up with from the beginning of the loan, relative to a payment due date, something else? I don't really understand what you thought the agreement was, and if you feel they did something outright wrong or took advantage of fine print in the agreement.
Pat T on 02/04/2013:
The problem is that the guy at the finance desk at BB tells you one thing and the written "agreement" that they give or send you AFTER you've accepted the card and made the purchase says something else - and "reading it" is nice advice but you've already bought the item and used their card to buy it. Then both BB says "out of our hands" and HSBC says "this is what the agreement says, you owe us." I paid the entire principal balance off in less than the promo period and told them (a) nobody said anything about "minimum monthly" so I'm not paying "retroactive interest" and (b) if this goes on my credit report I will sue you. Talked with 3 people before they agreed to "take care of it." But "take care of it" meant get me off the phone, don't contact me but don't reverse the charges - charge it off and sell the "account" to a CA that calls me over 4 years later. It's not on my credit report and it's now past SOL but every few years I get a call or letter from a new CA - I explain what happened, they make a note of it, they never call again but they sell the "account" to someone else who calls me. This is so outrageous.
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My Accounts on Hold for?
Posted by
SALINAS, CALIFORNIA -- I have cards on both them and I pay annual fee as I was trying to improve my credit score.. I have never missed a payment and I access everything online. One day, I was going through my accounting and accessing my credit card online accounts and I could not get into either one of them... The funny thing is that both cards were placed on hold at the same time... Note, I am moving to another state soon and I go down to see family..
So I called in and one is closed for business (6pm EST).. The other phone is 800 and I got through customer service. They directed me right to credit review department. Be aware, these cards don't even give you a credit increase and you are paying annual fee.. The ladies comes online and verifies me with multiple private information.. Maiden name, social, address, etc.. They obviously could tell that I am the account holder... She states for verification purpose that the accounts were placed on hold and they want me to mail my income, 2 utility bills, and social security.. I asked why? You have my information and I asked where is the notification? It is in the terms of agreement. So I stated then wouldn't you think you should notify before you place it on hold so you do not disrupt services? She stated that we did.. Really, then why would I be calling you and finding out now?
Also, you really think it takes less than 1 day to notify? To make the long story short... They have my information, they know I pay my bills.. Heck, I even told her when my last payment was (since I went into the account the week prior to pay my bills)... All she could state is that I have to wait and can't use the card until it is cleared.. SO you pay annual fee for service, you are denied service (and it is acceptable for them to place a hold).. Do you think you should get credit? I see why credit card companies are predatory.. They have no problem and demanding us pay right away but would do anything possible to deny service... And they could change terms whether they want..
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trmn8r on 03/18/2011:
The key to this is that there were holds placed on your cards for some reason. That is why they asked for your identifying information. This isn't typical. I have had credit cards for over 20 years, and never had a hold placed on a card.
Did they tell you WHY the hold was put on your account?
madconsumer on 03/18/2011:
are you self employeed?
unhappy999 on 03/18/2011:
I agree with trmn8r. I have used multiple credit cards for a number of years and never had to send in income, utility bill and SSN. I don't know why they would need all of this if you already had a line of credit with them and most likely, they already have your SSN. I did have hold put on one of one of my cards once due to a fraud alert. I had to call and verify that the charges were valid and that I was the one making the charges and they removed the hold. While it was inconvenient, it was for my own protection so it didn't bother me too much. I don't remember how I found out about it, I think my card was declined so I called the number on the back. I do not get any cards that have an annual fee, I only get the free credit cards. There are plenty of them to get that don't have a fee so I don't know what the advantage is of getting one with a fee. I get points with my Chase Freedom card and every so often, I go online and order a $50 check for my points.
Anonymous on 03/19/2011:
What the OP is not saying says a lot. I see "lowering credit score", and "never missed a payment". That just tells me there may be a large outstanding balance on the credit cards that could have led to actions taken by the lender.
Strangerthanfiction on 02/14/2012:
dbrhee... I am EXACTLY in the same situation as you. I filed a complaint with CFPB concerning this very thing (and other problems). When a representative from HSBC called to "discuss" my complaint, she told me there's no way I'd be asked those kind of questions.
After saying I had witnesses that HEARD them being asked, her story changed a little. The company had the right to verify information to be sure I was the actual account holder. Therefore, there were entitled to ask verifying information questions.
This was the exact same thing I have been told umpteen times already. I've asked, repeatedly, how answering irrelevant information, such as weight, cars driven, and a bunch of other survey type questions could prove my identity when my "legal" identifying information wasn't enough to verify who I was.
Furthermore, I NEVER provided such information to them in the first place so how would they know if the answers I gave were true or not. I was told the information they asked were a matter of PUBLIC RECORD and they could verify my answers that way.
So, PUBLIC RECORDS are more acceptable and will unlock my online access than private information? That means the public would have a greater chance of being able to get into my account.
BTW... everyone given advice or commenting on what the poster did wrong or had to do wrong... I hope you NEVER have to deal with this company the way I have. It is completely unreal. NEVER have I dealt with a company like this and I hope I never will again.
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Lies, and horrible customer service
Posted by
I am extremely frustrated, and at this point angry, with the way I'm being treated by HSBC in regards to my application for the Best Buy card.
In August of 2010 I applied for the Best Buy card online and was declined, however I was approved for the MasterCard, which I did not want, and which I did not accept. I have a steady, long-term job, and a credit score of 818 so I called to find out why I was declined and they said they'd send me a letter.
I waited about two months, and called a second time because I never received the letter. This time they said, "Oh good news! There's been a mistake, if you reapply you're sure to get approved!"
November 11, 2010, I reapply and again I'm declined for the Best Buy card, but approved for the Master Card. Again, I don't want the MasterCard, and again I don't accept the MasterCard. I call back for the third time, and again they promise I'll receive a letter within 30 days.
Two months go by, and I call for the fourth time to ask where's my letter and I'm told again that there's been a mistake and to reapply. I don't think so! I told them I don't want to reapply a third time, I want the reason of why I was declined. So I'm promised for the third time that I will receive a letter within 30 days.
So, I called them yet again yesterday, February 22, 2011. I received the same song and dance again, and they promised me they'd send me the letter of why I was declined.
Well, at this point I don't even want the card anymore, and I'm ready to stop shopping at Best Buy on top of it I'm so annoyed. If all this wasn't bad enough, my mother called me to inform me that HSBC has sent a MasterCard in my name to her address. She lives in a completely different state then me! How does this happen? The didn't even put my full name on the card! I would never apply for a card without my full name, not to mention my mother's address.
I will never, ever do any business with HSBC after this experience.
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Christine in NY on 07/20/2011:
I am going through a very similar situation. My husband applied for the Best Buy card and got declined but was approved for a rewards card (MC) we didn't want it. It came in the mail and we NEVER activated it, in fact we shredded it. I called and supposedly got it all straightened out and cancelled. Well now we are getting Bills that say we have late payments????? on the annual fee! I have called twice now and the last time I said "look! we don't want the card it was never activated stop trying to ask me why we don't want it!" close the account and Fix the late fees and all fees for that matter and TAKE THE NEGATIVE MARK OFF MY HUSBANDS CREDIT REPORT!" She said she did it and I would be receivng a letter....We'll see. I have a feeling this crap is going to lead to a class action lawsuit with these people. geez it's so frustrating!!!
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America pays
Posted on
Yesterday, I received notice from HSBC that they were re-pricing all accounts that were "in my APR range". Effectively, this moved the "purchases" APR to 19.9, and "cash" to 29.9.
While I cannot begrudge companies that are tired of putting up with stupid customers who (1) can't remember to pay their bill on time, (2) don't pay their bill because they did't get their mailed statement (anybody heard of the internet??), or (3) keep right on spending even when they fully know they have exceeded the account limit - I DO take EXCEPTION when companies jack up the rates for those that don't fall into these categories.
Like many others earlier this year, HSBC is now one of them. So, I opted out. After 10 years I had to close the account to avoid paying through the nose.
Today - I keep thinking about this and I keep wanting to "do something about it". I keep thinking about my bank and how they basically do absolutely nothing to have use of my money on a daily basis. I keep thinking about how to ...well, how to not ever be in this position again.
What I realized is that all of these wonderful institutions have programmed ALL of us to believe and accept that we need them in our lives to be whole and complete. We have come to accept that "payments" are necessary and required. We have been led to believe that there are pieces of plastic that make us better - more prestige, more clout - as long as we are willing to handover more money.
And then, the double whammy hits. The almighty FICO "score" and credit reports. To be "good" we voluntarily allow our financial life to be rated and then distributed to companies we don't even know.
It used to be that the Better Business Bureau was THE place for consumers to make sure a business was worthy. Now the tables have been turned and it is we - the consumers - who are being rated exclusive of any shenanigans of the businesses.
I think there needs to a new rating system. One that bridges business and customer ratings to produce an entirely new means to evaluate who we want to do business with.
But - in the meantime, I am going to do something about it. With a very old, old tool found in nearly every home in the US - I have cut into pieces every credit card I have that has seen an APR increase outside of any increase to the prime rate. I have called and emailed every single one of these companies and closed the accounts.
I am now down to one single account. One.
I am going today to move my checking and savings accounts to a local credit union that doesn't have 30 million dollar CEO's. (I think it is quite obvious these guys ain't worth their money when they have to go ask the govt for a handout. What? Were they asleep at the wheel? They didn't see it coming? They didn't know? What?)
I will diligently pay off every account I closed - and the one that remains open. And when done, will never again agree to such an insane arrangement.
Live. Experience. Learn. Don't be stupid.
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Anonymous on 09/26/2009:
Sometimes it is easier to have a blanket policy. That way, you don't have to worry about the hassle of deciding who deserves what. One policy for everybody. No headache.
Eloise on 09/26/2009:
Great points! It's very frustrating to 'pay' for other people's mistakes.
DigitalCommando on 09/26/2009:
Did anybody really think that the bailout's were going to be paid back through the banks profits generated by legitimate business methods? WE bailed them out. WE are paying their loan back for them via 20% rate increases and other methods. This means the bank simply received a free multi-billion dollar gift courtesy of you and I.
Anonymous on 09/26/2009:
"Thomas Hartley of Business First of Buffalo reported that HSBC USA has no plans to take part in the federal government troubled asset relief program (TARP). The article "HSBC Passes On Federal Program" says "HSBC supports the U.S. government's efforts as part of ongoing public and private initiatives to address issues in the marketplace, including the recent announcement of the TARP (troubled asset relief program)."
Anonymous on 09/26/2009:
There isn't much difference in taking a taxpayer funded govt handout and gouging the crap out of the taxpaying public. One way or the other - they get the MONEY.
Anonymous on 09/26/2009:
HSBC has jacked up the rates to hopefully avoid the public scorn of receiving a handout. It still does NOT clear them of making high-risk, high-greed, financially stupid loans and investments. And that, my friend, is what I object to paying.
If I make bad decisions - I pay the tab. If they make bad decisions - I pay the tab.
Anonymous on 09/28/2009:
Do you have an HSBC issued credit card? If so is it cobranded and with whom? Some of the purchase APR rates are moving up to rates you see on store charge and private label department store card accounts.
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Stay Away From HSBC!
Posted by
GEORGIA -- I took out a credit card with HSBC April 2008. Me and my husband were to use the card for a house we were remodeling to flip. Their 0% interest drew me towards them and I got the card in April. Paid online via billpay, and on time as long as I got the bill in the mail, which has always been my reminder. All of a sudden I got a letter from them in August to let me know that I'd missed payments. Well, I called them and asked them why I'd not received a bill in the mail. The CSR told me that I had gone online and opted to receive my bills online, which is not true. Funny thing is that I'd not received any online bills either. The CSR would not budge, basically didn't believe me so all of a sudden I owed over $600 to bring the account current? Keeping in mind they'd added fees and all of a sudden I had a 38% interest charged to the account balance. I'd kept my credit scores at 700 and above until this happened. The CSR told me they'd work with me at $50/month for 4 months, which I agreed to and also told them to close the account.
They were to draft it from my account. This did not happen and I ended up having to make the payment via billpay. I continued getting phone calls and still got harassed. I finally received a letter from their company which I disputed and faxed my letter of dispute to their company (all documented). They continue to call me at least 6 times during the day beginning at 7 A.M. and sometimes lasting until 10 P.M. I don't answer the call because I recognize their number. They seem to refuse to respond via paper or mail. So for now, we're at a standstill. This company will not work with you. I was widowed in 2006 and then was married for 1.5 years to an abusive relationship in which I made a decision to divorce this man, finalized Dec. 2, 2008. He left me with ALL debt.
HSBC CSR's showed no sympathy and showed absolutely no compassion as to my circumstance. They also have ruined my credit. Furthermore, they've been in the news lately more than I'd like to say, with stories that are shameful and it concerns millions of dollars. Let me guess...my dollars? I'm sorry but if they can give a man a $22 mil. in a settlement to leave their company, can they not work with me on a measly $4,000 balance? Oh, I guess we need to add the $1000 in fees and charges they've attached to the bill which brings it to over $5,000. Shame on HSBC!
So, my advice? STAY AWAY FROM THESE PEOPLE....they're bad news.
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Anonymous on 03/13/2009:
"I was widowed in 2006 and then was married for 1.5 years to an abusive relationship in which I made a decision to divorce this man, finalized Dec."
Anonymous on 03/13/2009:
"...I got a letter from them in August to let me know that I'd missed payments."
I never understand why people fail to pay bills on the basis they that they never got a statement. Did they think they suddenly got a raise? A paper calendar taped to the fridge with last month's bills will work if you don't want to lay out bucks for a PDA or put the monthly reminder on your computer. (BTW: Kudos on getting out of the abusive relationship.)
Anonymous on 03/13/2009:
It is easy to forget to pay a bill if you rely solely on receiving a monthly statement as a reminder. Most companies will tell you that the billing statement is a courtesy and not a reason to not make a payment....and, they are right.
Here's something simple I started doing a few years ago that helps me keep track of all recurring and non-recurring bills. Using Excel, I created a spreadsheet where I put down all my monthly recurring payments I.e. mortgage, car note, insurance, phone, TV, etc, everything that I know I have to pay monthly, as well as any non-recurring bills like dentist/medical/etc. I have columns that show amount due, due date, amount paid, date paid and I keep a running total of everything both monthly and yearly.
At the end of the year it also helps when I'm doing my taxes, I can easily find how much I paid out for child care expense for example by referring to the total paid for the year.
I know a few people that swear by software programs like Quicken but I've yet to try anything like that, but the point is that at the end of the day, rarely do companies let not getting a statement slide as an excuse to not pay/waive fees, so we have to be very disciplined and organized.
lastly, I 2nd the kudos for getting out of the abusive relationship...good for you!!
shirleypix on 03/13/2009:
Please understand my life was turned upside down at the time all this was going on so it was hard enough to remember my name, much less paying a bill. Thank you for your helpful comments and the "kudos." It was a good decision even if I am drowning in debt but no more fear for my life.
jktshff1 on 03/13/2009:
JBC, Quicken works well also. The Mrs like a spreadsheet also.
Csarol on 03/25/2009:
I agree.
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Take Your Money And Run While You Still Can!
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I have been a loyal customer of HSBC for a long time, and until recently I was a happy customer as well. Suddenly, I have become a very unhappy customer and I am taking my money out of HSBC because of the dreadfully unfair and arbitrary actions taken by HSBC. I have been very diligently paying my bills on time and taking other steps to make sure my credit score goes up as much as possible. Suddenly my credit score dropped significantly even though ALL of my payments, etc. have all been paid on time. So why did my credit score drop one might ask? The one and only negative thing that happened in any of my credit history recently is that HSBC arbitrarily decided to lower the credit limits on a large number of its credit card customers. I always paid my bills on time, never went over my credit limit, and in fact, I always kept my outstanding balance below 50% of my credit limit. Suddenly HSBC arbitrarily decided to lower the credit line on my card and thousands of others by 60%!!! Yes, that number is correct.
They lowered my credit limit by 60%! This caused my balance to available credit ratio (a key factor in determining FICO scores) to go from about 40% to about 97%. The 40% ratio which I worked diligently to maintain is viewed as very good in the eyes of the credit reporting agencies, and was one of the factors helping to bring up my credit rating. However, one of the worst danger warnings in the eyes of the credit agencies is a "maxed out" credit card, so this 97% ratio caused solely by the arbitrary actions of HSBC caused my credit rating to drop by about 30 points! Now let me again stress that my income and job situation has not changed, I have not had a late payment or been over my credit limit on any of my credit accounts in many years, and have not had any other activity that might negatively affect my credit rating for many years.
Despite all of my diligence in maintaining my credit and despite my loyalty to HSBC and the fact that I even have my savings account with HSBC they took this unfair action which has already had a very negative impact on my credit rating. I had been saving up to buy a house this year, and now I will most likely have to pay a higher interest rate on my mortgage or wait even longer before I am able to purchase a home, all because of the indifference of HSBC toward its customers. Just as a "maxed out" credit card is a danger indicator for the credit reporting agencies, this kind of of indifference and arbitrary action towards its loyal customers is a BIG RED FLAG about the financial health of HSBC! A wise person could see such acts by HSBC as a strong indication that HSBC is a bank struggling in very serious financial trouble. I for one could not be comfortable leaving my money in an account at a bank in serious financial trouble. I know the banks are supposed to be insured, but why take chances with bureaucratic red tape?
It seems much wiser to simply take all money out of the troubled bank. HSBC may be located in Nevada, but if I am going to gamle with my money, I would rather do it at the casino and not with my bank accounts.
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tnchuck100 on 02/26/2009:
Complain to your legislators. LOUDLY. Yours is a perfect example of how a persons credit can be trash through no fault of their own. There should be legislation that would mandate FICO cannot consider an arbitrarily lowered credit limit when the consumer has done nothing to cause. These actions are detrimental to the consumer when the consumer has virtually no control over it.
If this is an old card, pay it off and put it in the back of the dresser drawer, never to be touched again. If it is a relatively new card, pay it off, and tell them to shove it.
bitzerking on 02/26/2009:
We aren't alone....and the number is over 1 million not the thousands of card members that were mentioned in the previous posting. My husband and I just got off the phone with HSBC customer service. After a lengthy conversation, no information, we requested the attention of a supervisor. She was so very apologetic...but so what. We are the ones with the negative mark on our credit. We have our home and do not plan to borrow any money but we pride ourselves in handling our money judiciously. Now we have to spend our time monitoring the dispute to get the "overlimit" and "reduced credit limit" and the available credit proportion remedied. It looks like the toxic banks don't just rhyme with "schank of America" and "chitty bank" (to quote a late-night TV host.
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HSBC Visa; Avoid This Company!
Posted by
I acepted a postal mail pre-approved offer, and opened a credit card account with this company. I had the card for about 2 years (+/-) without any problems. I feel I was an ideal customer, from the credit card company's standpoint: I never exceeded my credit limit, never once was late with a payment (on ANY of my credit accounts, anywhere), and always carried a monthly balance. My FICO credit score is always in the 670 to 700 range whenever I check it.
One month after about 2 years, I opened my monthly statement and was shocked to discover that my monthly interest rate had been changed from 12% to something like 27%, and there was a monthly fee added for credit monitoring, which is something that I had never authorized and which is mentioned NOWHERE in any of the terms and conditions in the original card agreement (I save EVERYTHING when I open an account, and urge others to do the same).
I immediately called the company, and was sent to on-hold hell, where I spent much of my lunch hour at work and never did get a live servie representative. The next day I encountered the same thing, but did manage to eventually get a customer representative who explained patiently that in the account agreement it clearly states that they can pretty much change the terms and conditions of any account at any time for any or no reason at their will. I asked whether there was any sort of reason for deciding to change my terms with no notice at all, and received no clear answer (just a canned statement that something must have changed in my credit history or that I may be in default on some other account. Bullsh*t; I monitor my credit score and am NEVER in default on anything. I have since double checked, and my credit is fine and I have had no problems with any other company.
I was pretty angry by this time, and very clearly stated that I wished a payoff amount and wanted this account closed immediately. I received the payoff amount, paid it off in full by internet transfer from my checking account while still on the phone with them, and verified on the phone that they had received payment. I repeated that I Wanted the account closed immediately, and wished to file a dispute for the credit monitoring charge of $12.95.
In about a week, I received in the mail a computer generated form letter confirming my disputed $12.95 charge.
2 weeks later, I received a monthly statement which indicated that the account was still open, with a zero balance. I immediately called, and was told that there mst have been some mistake or misunderstanding as nowhere did it state in my records that I wanted the accoutnclosed. I was angry now, and very clearly stated several times that I wanted this account closed, NOW. The representative said it was now closed.
The next month, I received another monthly bill for zero dollars... This time I asked for a supervisor, and repeated my insistence that the account be immediately closed NOW this INSTANT. I again got the song and dance about there having must been some miscommunication on my part. I followed up with a written letter stating the same thing, and have not received any monthly bill since then. Eventually I got a check in the mail for the $12.95 disputed credit charge.
Beware tis company. If you DO open an account, be sure to check your statement every month, as they are dishonest and unethical and undoubtedly make a LOT of profit by slipping in unjustified fees and changes in interest rates without anyone noticing. I am just thankful that I happened to open the paper statement and check that month, since I usually pay online and might not have noticed being raped for several months otherwise. I went back through my mail, and there was NEVER any sort of notification of the change in interest rate or additional fees provided to me.
Note: I have a Capital One card, and have never had any problems like this in 10 years, nor have I EVER encountered such an uncommunicative, rude, arrogant customer service staff as the one at HSBC.
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tnchuck100 on 11/22/2008:
Very good review. You handled their ineptness very well. It is best to send a written communication/return receipt requested when canceling any accuont. Do not trust Capital One either. They are just as capable of doing the same thing.
Ponie on 11/22/2008:
'...be sure to check your statement every month...' Why single out just this one company? Don't you do this with all statements you receive? I know I certainly do. And, don't kid yourself--they notified you of the change in rate. Maybe it was in print so small you completely overlooked it, but it was there.
Slimjim on 11/22/2008:
Agreed good review. I would have lost it too over that bull. The jack in interest is bad enough but the gall to put a credit monitoring service on without authorization. You did the right thing and were fortunate enough to be able to pay off the account stat. I always check my statements for charges and balance errors but I really should be extra careful to check interest rates on anything I may be carrying a balance on these days.
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Deceptive Business Practices / HSBC Mortgage
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BUFFALO, NEW YORK -- Do not use HSBC for mortgages or refinancing unless you love to go through hell and lose money. I have investigations ongoing from state and federal agencies along with the Better Business Bureau into the business practices of HSBC Bank, Mortgage Division. The complaint concerns two issues:
1.) Deceptively assuring customers that loans were pre-approved to collect non-refundable application fees
2.) Performing fraudulent appraisals.
On February 5, 2008 I inquired online to HSBC Bank on the refinancing of my manufactured home. HSBC Bank is the current lender for my mortgage for over 15 months which I have had no prior issues with or had any late payments on, so I thought it was in my best interest to continue my business relationship with them. I received a call of pre-approval from [snip] of HSBC at 1-800-622-7759 ext. 6393 and she brought up my account and asked me for more personal information and brought up my credit report. At this time we locked in a rate at 5.6% and I was told that I would have to pre-pay a non-refundable application fee of $525.00. At the time she brought up my credit report, which is a credit score of 678 and said that with all of the information she had that the refinancing should go smoothly and quickly. Knowing that they manage my mortgage and have for over 15 months, I paid the $525.00 after being assured that the refinancing would be done. After several days I contacted Denise to see how the loan was progressing, and was told that HSBC does not refinance manufactured homes and that they would not able to refund the application fee of $525.00. Being that they have managed my account for over 15 months I was puzzled why they did not tell me that they could not refinance my home before they took my ânon-refundableâ application fee.
At this point I submitted a formal complaint and received a call from Deniseâs supervisor. I explained my frustration that I was assured and pre-approved for a loan which they ultimately would not provide and that they would not refund my money. I would not have given them the application fee of $525.00 if I would have known they would not refinance my manufactured home. She told my that I had given Denise false information concerning the property type, for which I stated that not only did I not give any false information, but that they have all of my information from the current mortgage which would made it impossible to falsify my information. At this point she told me that HSBC buys mortgages in bundles and has no idea of what those mortgages are, but she would investigate.
She called the next day to inform me that HSBC would not refund my application fee of $525.00. I the told her that I could not believe that after 15 months of making thousands of dollars from me that this business relationship was going to go sour over $525.00. She then apologized and said that the $525.00 could not be refunded because it was used for an appraisal of my house. I told her that there was not an appraisal done of my house and she checked on her computer and said that one had been done. At this point I told her that I am a certified Appraiser II for the Property Tax division of the Arizona Department of Revenue and that a drive by picture of a house may justify as an appraisal in New York, but not in the State of Arizona. She then checked the computer again and said that a full appraisal had been done of my home. I told her that in order for a full appraisal to be done, the appraiser would have to enter my home and therefore I would have to be present or someone representing me would have to be there. She insisted that a full appraisal was done.
I then asked her how did someone get into my house and why would HSBC perform an appraisal on a house that they would not finance. She did not know. I then asked for the name and license number of the appraiser. She said that I would have to talk with underwriter [snip] at 1-800-432-5632 ext. 5173, but quickly said that she was not in that day.
I have left messages with Judy Harway, but she refuses to return my calls. At this point I felt that there was some kind of fraudulent or criminal business behavior going on and I wrote in another formal complaint to HSBC stating that I was going to file a complaint to the Comptroller of the Currency, the New York Attorney Generalâs office, the New York division of the Better Business Bureau and the United States Justice department asking for a full investigation into the mortgage practices and possible fraudulent appraisals performed by HSBC Bank. Since issuing complaints to state and federal agencies and multiple complaints to HSBC I have heard no response from HSBC and have not had any money refunded to me at this date.
The moral of this story is stay as far away from HSBC bank as possible. They will find a way, legally or not to take your money.
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madconsumer on 03/29/2008:
although I do understand your complaint, this sounds like a mis-understanding of your home type. on the application, wasn't there a place to check house type?
I do not see any deception here.
Robbgibson on 03/29/2008:
That's the problem. I went back to check if there was a Manufactured Home selection and there was. I wouldn't check something that was different. Denise also brought up my current mortgage account, because I had to give my account number in the application. It clearly shows that I have a Manufactured Home. A flag should have gone up on her end, since they manage my mortgage. I can understand that I'm up the creek without a paddle if I had no association with this company, but they manage my account and when I talked with Denise's supervisor she was like "we just buy mortgages in bulk and have no idea what those mortgages are". This is an excuse to CYOA and the most idiotic thing your going to tell your customer. I was basically told, I have no clue who you are and don't care, but damn you if you don't send your payment in. Then there's the the subject of an appraisal that I was supposedly charged for which wasn't done. I always paid my payment early, never late. I was a great customer for them. In fact I have 2 credit cards from them and they pulled this crap and won't back down. Believe me this is not a mis-understanding, it's deceptive! If this was a mis-understanding we would have reached an agreement. I'm in a full financial war.
Robbgibson on 03/30/2008:
Then why don't they refund my money. That's the deception!!! If it's an honest mistake let's make it even. Return my money and we will let it go.
Robbgibson on 03/30/2008:
On another point, why are they charging me for an appraisal that was never done. In my eye when you are charged for a services not rendered you have been deceived, taken for and committed fraud.
Another victim on 10/13/2013:
I agree with youncompletely. Charter One/ Citizen Bank has done things similar tomthis. Hence stay away from them too.
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Bait and Switch Credit Card Offers
Posted by
INDIANA -- I have had a HSBC Gold MasterCard since 2002.I have been an excellent customer and always paid on my account. I recently received a replacement card - 03/2008 - and along with it was an offer for 0% APR on purchases made between March 1 and April 30 for 6 months.
I was considering taking HSBC up on this offer but wanted to confirm the terms before putting any major purchases on the card. What happened after I contacted customer service was just UNBELIEVABLE! First, I was told by a customer representative that they had no record of a 0% APR for purchases even being offered to me. He said there was an offer for a 0% APR for balance transfers for 6 months. I explained to him that a purchase 0% APR offer comes with no transaction fees and balance transfers do, so I preferred the offer that was SENT to me with the card!
I asked to speak to a supervisor and after waiting on hold for what seemed like forever, I talked to Latoya. She again told me that no offer for 0% APR on purchases was in my records, only the balance transfer offer. I then read the offer that was sent to me and asked if the balance transfer offer could be changed to the purchase offer that carry no fees. She then said I had to FIRST fax a copy of the offer that they sent to me! I told her that they should be aware of the offers they send out to customers and put it in their records FIRST before sending them out. I asked her why should I have to fax them THEIR OFFER! She refused to budge on the matter and would not change the balance transfer offer to the purchase offer.
To make a long story short, I just told her how ridiculous the situation was and how I would have been in a real bind if I had trusted their false and misleading offer. So to anyone out there carrying a HSBC Credit Card beware of their bogus offers!
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madconsumer on 03/28/2008:
these offers are sent automatically.
laklisa on 03/28/2008:
I don't work for HSBC, but we do work in conjunction with them (They issue our credit cards for my retail company). I know for our MasterCard they recently sent out some promotions and they do notate the accounts of the promotions they send to customers. It's possible that they did send out the wrong promotion to you. If it does say 0% APR for 6 mos on purchases (not balance transfers), I would take the time to fax it. The worst they will say is no, but you would have taken the time to show them that a mistake was made. If it happened to you, it might have happened to someone else.
Personally I can not stand the bank, as before we went with them (about 4 years ago) we were more lenient. Now that we are affiliated with them, we have to follow some of their practices.
aquasue on 04/14/2008:
no card is going to change your bt offer to a purchase rate offer. bt offers are always cheaper than purchases. this is not just a hsbc practice...and anyone could call in claiming a specific rate that is why you have to fax it..for verification and then they will give it to you...we are all human I am sure you are not perfect either.
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In order to be deemed sufficiently inoffensive and acceptable for gathering, will citizens have to meet minimums on piercings, tattoos, scars, and birthmarks? Will verified payers of property tax be allowed some leniency? Maybe have a special Downtown Association* Approved card to show the foot patrol when they come to "move along" someone they feel has sat long enough?
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Powerfully versatile softshell that performs as a midlayer in moderate cold or on its own for active pursuits in cool weather. A lightweight polyester grid fleece is bonded to an abrasion resistant nylon woven face fabric. This combination creates a single material that effectively insulates and moves moisture while delivering breathability, weather protection and stretch performance.
Arc'teryx combines materials, intelligent design approaches and real world testing to create clothing and gear that meets the highest levels of functionality. Based in Vancouver, B.C., the designers' access to the mountains and coastline provides a versatile testing ground with a variety of weather conditions, the perfect laboratory for softshell development.
Arc'teryx designs to deliver maximum function and performance freedom. The Epsilon LT Hoody's streamlined athletic cut minimizes snags and easily layers under a hardshell. The hip length cut delivers additional protection when bending or reaching. Gussets are built in for increased range of motion, and ergonomic articulation is part of the patterning.
The grid pattern inside efficiently traps warm air, and allows moisture vapor to move away from the body and easily escape. On the face, nylon weave provides abrasion resistance, air permeability, protection from light weather, and exceptional stretch performance. By bonding fleece to a nylon face, a single fabric provides maximum versatility.
Learn More About This Product
Arc'teryx Fit Guide - Athletic Fit
Standing in as our "Arc'teryx Standard" fit, the complex patterns used utilize anatomical shaping and gussets to enhance motion and eliminate excess bulk. Trimmer than the Relaxed fit with room for a base layer, a light fleece mid-layer and a synthetic or down filled mid-layer.
To find out how to calculate your body measurements, view our Sizing Charts:
› Men's Tops | Men's Bottoms
› Women's Tops | Women's Bottoms
Air permeable mid layer fleece with a hard faced smooth outer surface made with hydrophobic Bonded Poly Micro-Grid Fleece.
LT | Light Weight
Built with highly durable top performance materials but designed with a streamlined minimalist set of features to provide very light weight.
Full Feature List
- Moisture-resistant outer face fabric
- Highly air permeable—allows air and moisture to move through the fabric to speed drying
- Breathable
- Lightly insulated
- Durable
- DWR finish (Durable Water Repellent) helps repel water from fabric surface
- Anatomical shaping for fit and comfort
- Gusseted underarms
- Stretch wrist gussets
- Athletic fit for a slimmer more flattering profile
- Soft, brushed microsuede-lined collar
- Tall collar
- Chin guard
- Full front zip with chin guard
- Micro corded zipper pulls
- Drop back hem
- Adjustable hem drawcord
- Laminated hem
- Laminated sleeve pocket with laminated zip
- Two hand pockets with zippers
- Reflective logo
- Bonded Nylon Poly Grid Fleece™. Face: 85% nylon, 15% elastane. Back: 100% polyester fleece
- Machine wash in warm water (30°C).
- Do not use fabric softener.
- Tumble dry on medium heat.
- Do not iron.


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New Arrivals
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Gretchen Paisley Print Dress
Utterly exquisite: a mix of scarf-inspired prints on a fluid maxi dress. We love the keyhole neckline and alluring side slit.
- Crafted with stretch for a smooth fit.
- Length: 56.5".
- 95% polyester, 5% spandex. Unlined.
- Machine wash. Imported.
We're so sorry: this item sold out sooner than expected. For an equally chic substitute, please call our Personal Service Associates at 1.888.855.4986. Or click on Chico's Chat below for immediate assistance.


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We're headed back once again in beautiful Las Vegas for the 2014 International CES. (That's Consumer Electronics Show for you noobs.) It's an insane amount of all things tech, from phones, to TVs to cars to tablets to -- well, just about anything you can think of, and a number of things that defy logic.
The latest Android CES news
How best to keep up with the Android news? Start with our CESlive homepage! All of our CES stories will land there. So bookmark it. Also be sure you're one of the more than 440,000 people locked in on the @AndroidCentral Twitter feed, and don't forget about our 219,000-strong Google+ page as well.
If you're looking for some behind the scenes coverage, follow Phil (Twitter, Google+); Anndrew (Twitter, Google+), Alex (Twitter, Google+) and Andrew (Twitter, Google+) from ground level. It could get messy.
And look for this little Lloyd logo in all of our CES 2014 stories. It's an easy way to find the breaking CES news. And click on it to get back to this page.
We've got more than a month's worth of work to cram into a few short days, and the news starts long before the show even gets under way. So we'll compile every damn CES 2014 story here for easy reading.
Strap it on, folks.
- Topics:


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"Picturing America: Principled Dissent and Democratic Practice" is a new professional development program for middle- and high-school teachers of history and/or social studies at "Picturing America" schools. We gratefully acknowledge support for this project from the National Endowment for the Humanities "Picturing America" initiative. This new initiative from NEH brings masterpieces of American art into classrooms and libraries nationwide. Through this innovative program, students and citizens gain a deeper appreciation of our country's history and character through the study and understanding of art.
The Leaders for Teacher Preparing Schools (LTPS) project was funded through the Department of Education's School Leadership Program and led by the Goodlad Institute's director, Dr. Bellamy. The project aimed to improve principal leadership nationally for teacher-preparing schools that serve high-need communities through a series of professional development programs and short intensive workshops.
The LTPS project allowed the Goodlad Institute and the National Network for Educational Renewal (NNER) to offer a year-long professional development program for principals of schools that work in partnership with universities to prepare new teachers in NNER settings. The project also supported three cohorts of teacher leaders from partner schools as they worked toward principal certification.
LTPS provided a renewed focus on the critical role of principals in the simultaneous renewal of schools and the education of educators. A total of 45 principals and 36 teacher leaders participated in these programs, and most are continuing to provide important leadership in the schools and districts within NNER partnerships.
In partnership with the NNER, the Goodlad Institute expects to sustain the LTPS project's impact and continue to stimulate discussion and support of school leadership as a continued focus in NNER meetings and programs.
The Math 2.0: Teaching Math in a Technical World (TMTW) project is an innovative program designed to enhance mathematics instruction with new emerging interactive technology. Assistant Professor of Education Robin Angotti, Ph.D., received $660,220 from the Higher Education Coordinating Board to fund this three-year project built upon an award-winning professional development program coordinated by the North Central Educational Service District's Mathematics Leadership Alliance.
The goal of TMTW is to help educators harness new online technologies and mathematics software to teach students math, particularly in grades 6 through 10, a critical time for laying the foundation for readiness for college-level learning. Technological tools appeal to 21st century learners and may pique their interest in mathematical concepts leading to motivation, engagement and success in higher-level mathematics. Of special interest is creating effective instruction for English language learners and students of low socioeconomic status. Teachers will be taught how to foster mathematical discourse by using Web 2.0 tools (i.e. blogs, online journals, and wikis) and other nontraditional communication strategies.
The project is funded by a grant authorized by the Elementary and Secondary Education Act and administered by the U.S. Department of Education and Washington State Higher Education Coordinating Board.
Picturing America conference program information and application materials.
View Dr. Bellamy's Research and Scholarship Profile.
View Dr. Angotti's Research and Scholarship Profile.
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Directions to HI -Truro Hostel
- Info
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- Rates
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- Map & Directions
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- Reviews
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- Facilities
Map & Directions
Directions by Car:
Take the Truro Center/Pamet Roads exit off U.S. Hwy. 6. Follow signs to North Pamet Road and continue to its end 1 1/2 miles east. The Hostel is on right.
Directions by Bus:
Bonanza bus from Boston to Hyannis, transfer there to the Plymouth-Brockton line. The bus stop in Truro Center is at Post Office and Jam's Store.
Another option is to take a ferry from Boston or Plymouth to Provincetown and then take a bus from there to Truro Center.
Taxi service from Provincetown (or from Truro Center since the taxi has to come from Provincetown) costs about $15


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Exclusive Interview with Chris August - What did 2012 Teach You?
Music Videos & Features
Another exclusive video interview from Salem Music Stations! In 2012, Chris August severely injured his head in a skateboarding accident. We asked him, "What did you learn from this incident? And what did God show you through this?"


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Bedding & Cots
Coghlan's 0115 Compact HammockOriginal Price:$17.99 Current Price: $14.98Comfortable hammock is made of lightweight polyester so it's easy to pack and go with you. Spreader bars are 21" apart; supports 250 lbs. Hammock weight 16 oz. Learn More
Coghlan's 8049 Air Mattress Plugs - 3-pack$0.994-6 Weeks. Shipped direct from Supplier.Designed to fit most popular air mattresses that use separate plugs. Includes three colorful plastic plugs. Learn More
Eagle Nest Outfitters Double Hammock$79.99Made of 70D high-tenacity nylon taffeta and with a 400-lb. capacity, this hammock's designed for years of regular use! Nylon fabric is soft, breathable, and fast-drying, with strong triple-stitched seams. Includes aluminum Wiregate carabiners and handy attached compression sack. Measures 9'4" x 6'2" and weighs 21 oz. Color choice may not be specified with order; color you receive is randomly chosen from an assortment of colors. Learn More
Eagle Nest Outfitters Guardian™ Bug Net$59.99The Guardian™ surrounds you and your hammock in bite-free peace of mind without cramping your style. Made of super-fine no-see-um netting. Measures 4.5"L x 4W" x 3.5"D folded and 9'4"L x 4'3"W unfolded. Weighs just 16 oz. Learn More


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8 Steps To Getting Brows Even Lily Collins Would Envy!
You don't have to be born with thick eyebrows like Lily ! Learn how to define your brows like a celeb with simple tips from makeup pro Nico Guilis!
Originally posted on Elle.com
By ELLE
Start with clean, dry brows.


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Magic Elixir Hair Restructuring Concentrate with Rosemary Leaf and Avocado Sample
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For full Kiehl's Since 1851 Rewards Program Terms, click here.
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Home › Men's › Arc'teryx Essentials › Gloves › Cerium LT Jacket
Cerium LT Jacket Men's
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Select your size and colour to buy direct from Arc'teryx or from authorized online dealers.
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Down Series: Down insulated garments | LT: Lightweight. The lightest down piece in this collection. Streamlined, lightweight down jacket filled with 850 fill European white goose down. This backcountry specialist jacket is intended primarily as a mid layer in cool, dry conditions.
As an alternative to down fill insulation, we also offer synthetic fill products, such as the Atom LT Jacket.
Learn More About This Product
Arc'teryx Down Construction
Down done differently - Minimalist design for maximum performance, built to the highest levels of craftsmanship, with innovations for increased range of comfort and conditions. Efficient, lightweight and durable enough to wear every day.
Key Advantages
- High warmth-to-weight ratio
- Conforms closely to the body trapping heat closer to your core
- Highly compressible
For more information on Arc'teryx Down technology and how to care for your Down garments, please visit our Down page.
Arc'teryx Fit Guide - Trim Fit
These trim fitting garments share motion-friendly traits with our Athletic fit, but are patterned with lower volume for reduced bulk. Our trim fit is sized for a base layer and a trim synthetic or down filled mid-layer
To find out how to calculate your body measurements, view our Sizing Charts:
› Men's Tops | Men's Bottoms
› Women's Tops | Women's Bottoms
Streamlined, lightweight goose down filled jackets made of a composite construction to provide warmth where it is needed most. High warmth-to-weight ratio.
LT | Light Weight
Built with highly durable top performance materials but designed with a streamlined minimalist set of features to provide very light weight.
Full Feature List
- Moisture-resistant outer face fabric
- Breathable
- Insulated
- Great warmth-to-weight ratio
- Lightweight
- Compressible and packable
- Wind resistant
- DWR finish (Durable Water Repellent) helps repel water from fabric surface
- Down Composite Mapping strategically places Coreloft™ synthetic insulation in areas where moisture may buildup and down in areas for maximum warmth
- Insulated collar
- Chin guard
- Full front zip with chin guard
- Corded zipper-pulls reduce noise and are easy to grab
- Elastic cuffs
- Two hand pockets with zippers
- Includes stuff sack
- Coreloft™ 80 (80 g/m²) insulation. Made with highly crimped multi-denier siliconized polyester yarn, this lightweight, breathable, and thermally efficient, 100% polyester staple fibre is very compressible and has excellent loft retention.
- Airetica™—100% nylon, 34 g/m². Tightly constructed, high tenacity, 20x10 denier ripstop nylon with a smooth hand.
- 850 fill European white goose down
- Machine wash in warm water (30°C) on gentle wash cycle.
- Do not use fabric softener.
- Front load washing machine recommended (use a mesh bag for top loading machines).
- Rinse twice.
- Tumble dry on low heat with tennis balls or 'sock balls'. Drying time may take up to three hours.
- Do not iron.
- Store unstuffed in a dry place.


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9 Cool Ear Cuffs To Rock Now!
By Elizabeth Denton
Not just for edgy girls, ear cuffs and ear jackets are an easy way to add a cool, fashion-y touch to any outfit! You can go seriously edgy with spikes and studs, or totally glam with rhinestones and gems. Get in on this hot celeb trend with these awesome styles.


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Kraus KHF200-36 Kitchen Sink Collection
Skillfully crafted from 16 gauge premium grade T-304 stainless steel, the Kraus KHF200-36 kitchen sink features an impermeable external coating that is both stain and rust resistant. This allows for a simple and easy cleanup that only requires your basic household detergent or soap and water. The heavyweight nature of Kraus kitchen sinks also guarantee superior endurance and lasting performance that is additionally backed by a limited lifetime warranty plan. Kraus stainless steel products are assured to meet every household's technical and aesthetic standards.
Furthermore, every KHF200-36 kitchen sink purchase comes with an added stainless steel bottom grid to protect the bowl from heavy impact. Kraus also gives away a bonus basket strainer and signature company dish towel. However, the most efficient way to optimize the value of your purchase is to invest in a combo deal. Kraus kitchen combo deals offer pre-selected KHU200-36 and faucet combinations that in-house experts have personally created and developed. These combinations include kitchen faucets of all styles and sizes including arched goosenecks and spring-compressed spouts that are either of stainless steel or brass construction. On top of all this, Kraus also throws in a stainless steel soap dispenser that can hold up 14 ounces of detergent or hand soap.
For an up-to-the-minute sink that will withstand the test of time and style, trust in the KHF200-36.


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It seems funny that I'd be sad about Hostess closing shop, but I am! Funny enough, I have some good memories of eating Hostess cupcakes with my dad and Twinkies with Grandpa. The Twinkies were usually hard but it's the memory, right?
Better go stock up and scrap some memories about them!


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"I purchased these labels for packaging to use for my business. I loved the design so much I have since purchased the rest of the matching items to go along with my stickers. Beautiful work from Petite Alma!!"
"These are adorable! I stick them on everything my son takes to school. It is so easy to label all his belongings and feel confident that they will all return home:)"
"I ordered these with my daughter's name for school, etc. They are vibrant and fun and she loves them! I appreciate how easy the ordering process was and the quality of the stickers."
"The design is precious. I can use it on stationary, gift tags, and most recently graduation cards. I received the stickers within a couple days. The product Tinyprints provides cannot compare to other similar products on the Internet. The price is excellent !!!!"
"These are beautiful and perfect for favors! I absolutely LOVE this design. My only issue is that you can't fit too many words on it. I had to really condense what I wanted to say on them! Other than that, they are wonderful:)"


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Forget me Knot Aqua Flower Skirt 11"
Lil' girls will look super cute in this aqua and purple layered flower skirt.
Can be used as a photo prop, for flower girls, on holidays or just for dress up! The possibilites are endless.
Waist band is 11"
**Tiara and wand not included**
For larger quantities not available on our site click here
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Number 558
ABSTRACT: Given demonstrated vaccine efficacy, safety, and the large potential for prevention of many infectious diseases among adults, newborns, and pregnant women, obstetrician–gynecologists should embrace immunizations as an integral part of their women's health care practice. To provide direct...
April 2013
Number 541
(Replaces No. 401, March 2008)
ABSTRACT: The American College of Obstetricians and Gynecologists (the College) has a long history of leadership in ensuring that its educational mission is evidence based and unbiased. A predecessor to this Committee Opinion was published in 1985, making the College one of the first professional ...
November 2012
American Congress of Obstetricians and Gynecologists
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Direct Delivery & Assembly 6-8 Weeks
Direct Delivery 6-8 Weeks
This furniture range is delivered by the manufacturer to your home and assembled in a room of your choice. You will be contacted by the manufacturer to arrange a delivery date and time. Please note Kidsmill furniture is delivered using a 10 metre lorry therefore you must ensure access to the property is possible. Due to manufacturer delivery restriction this item is for UK mainland only.
The Shakery range of furniture allows you to compose your very own nursery entirely customised to your personal style. Shakery is a contemporary room setting with a lot of different items.
This contemporary room setting is very stylish and sturdy. The slatted cotbed will allow you to watch baby sleep and the underbed storage is great for keeping essentials close to hand. The chest has 3 generous sized drawers and coordinating handles to match the cotbed and wardrobe.
These are exclusive customer reviews unless otherwise stated. Specifications of goods are subject to change.
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This product is available as a pre-order. This means that we do not currently have the item in stock but we are expecting it shortly. You can place an order for this product now your expected shipping date will be 16-06-2012
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Digital Intermediates for Film and Video
by Jack James
This book teaches the fundamental concepts and workflow of the digital intermediate process. Covers basics of film first, and then introduces the digital world--including a tutorial on digital images, asset management, online editing, color correction, restoration, film and video output, mastering and quality control.
Jack's clear and easy-to-follow explainiation of Hollywood buzz words and components makes the subject matter accessbile to anyone.
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Hero's is the world's premier Mixed Martial Arts event, which brings together competitors of various fighting styles to compete under full-contact MMA rules. Punch, kick, knee, elbow, grapple and submit - Hero's is 100% pure Mixed Martial Arts entertainment!
What an explosive start to the 2007 Hero's series! Japanese living legend KazushiSakuraba returns to Hero's to take on the Ukranian Playboy, Yurij Kiseliov - whilst Gary Goodridge also makes his return and faces the mighty seven foot Jan Nortje!
One of the most dangerous and hard-hitting heavyweights in the fighting world makes his Mixed Martial Arts debut, as Mighty Mo steps up to face Korea's Min Soo Kim. Does Mighty Mo have what it takes to survive in the savage world of Mixed Martial Arts? It's time to find out!
Also on the card Vitor Ribeiro shows us why Brazilian fighters remain amongst the most feared in the World, and Melvin Manhoef gives a demonstration on how to punch like a steam-train!
This stunning 2-Disc Collector's Edition is packed with OVER 2 AND A HALF HOURS of Special Features that take you behind the scenes of Hero's, and allow you to experience the full excitement of the Worlds premier Mixed Martial Arts event, and to delve into the personal world of the fighters.
Kazushi Sakuraba vs Yurij Kiseliov
Hideo Tokoro vs Kazuya Yazuhiro
Gary Goodridge vs Jan Nortje
Vitor Ribeiro vs Ryuki Ueyama
Melvin Manhoef vs Kazuo Takahashi
Siala Siliga vs Min Soo Kim
Caol Uno vs Ali Abdelazizi
Kultar Gill vs Kazuyuki Miyata
Katsuyori Shibata vs Yoshihisa Yamamoto
Andre Dida vs Hiroyuki Takaya
Full event commentary by Pierre Guillet and Dale Adams
Bonus Fight: Hiroki Ozaki vs Masataka Chinushi
Bonus Fight: Masanori Kanehara vs Tetsu Suzuki
Bonus Fight: Bernard Ackah vs Hyun Pyo Shin
A Day in the Life of Mighty Mo
Post-fight interviews
We do our best to provide accurate sizing info for all items of MMA Clothing & Equipment that we sell at MMA Universe.
You can find our sizing information here
Should you be unable to find the information you need you can contact us at any time, we would be delighted to help you!
We do our best to ensure that our shipping prices are as fair and competitive as possible. We offer four tiers of delivery each with their own benefits and we offer free delivery options with orders of £50 or more.
If you place your order with us before 2pm GMT on Mon-Fri, we guarantee to ship your order the same day. Orders placed after this time may not be processed until the next available working day (but we'll do our best to get your order on it's way ASAP). Our typical delivery times are:
|United Kingdom:
|Within 48 Hours of shipping
|Within Europe:
|Within 5-7 Days of shipping
|Outside of Europe:
|Within 7-10 Days of shipping
MMA Universe have simple returns policy where if you are not 100% satisfied with your purchase, you can return it within 14 days of receiving it for any of the following:
- Exchange your purchase for another size or colour, or a new item entirely.
- Return your purchase for MMA Universe Store Credit.
- Return your purchase for a refund.
- Return your purchase for a replacement if it is damaged or faulty.
Items to be returned for exchange or refund must be unworn and in the original packaging, unless faulty, in which case please wash them first!You can find more information about our returns policy here


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BreakpointFC was founded out of a love for Brazilian Jiu Jitsu. They understand the difficulty of finding quality Gis with good fit, which is why Break Point offers premium Gis at competitive prices with excellent design, fit and quality.
The Standard Break Point Jiu Jitsu Gi is ideal for competition and everyday training. Designed from the ground up with flexibility, lightness and resistance in mind. If you're looking for a solid gi that will stay with you as you improve your skills while not hurting your budget, The Standard Break Point Jiu Jitsu Gi is tough to beat.
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(1 of 1 customers found this review helpful)
Great, Heavy, Thick, sturdy gi. I love i
By blaze
from Yonkers, NY
Comments about Break Point Standard Gi:
Great, Heavy, Thick, sturdy gi. I love it. I use it at Animals MMA in Yonkers and we train hard. Used it for a few weeks, now. No complaints.
Bottom Line Yes, I would recommend this to a friend
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Photos, video and updates about the tornado damage on Monday in Oklahoma.
Article ID:
(David R. Jennings / Daily Camera)
Girls swimming: Speedy Coaches Invite catches swimmers by surprise
Undeniably good swims still result for BoCo schools
Setting the record straight, Bob Smartt was extremely pleased with the way the Fairview girls swam Saturday afternoon at the annual Coaches Invitational, ending the pre-break slate with a second-place team finish. Full Story
(Cliff Grassmick / Daily Camera)
College basketballStrong off the bench
Swan's key play down the stretch powers Buffs past Wyoming
CU 76 Wyoming 71 For the first nine games of the season, the starting lineup for the Colorado women's basketball team didn't vary even an iota. Full Story
( Paul Aiken / Daily Camera )
Second Story Garage: The Dustbowl Revival
They're called The Dustbowl Revival, but "dustbowl" should be read as style, not politics. It's more Mardi Gras than "Grapes of Wrath." You could see this band with all their belongings on the back of a wagon heading west, but it would be a party. Their Americana swing gets you tapping your toes and raising your glass. No one's down on their luck here. Full Story


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TOWSON, Md. (AP) - Baltimore County Police say they have identified a body found in a wooded area in Reisterstown near where a human hand was also found.
Police say the body found about 11:30 a.m. Saturday near Hanover Pike and Butler Road is that of 24-year-old Darnell William Butler. Police say the hand found nearby belonged to Butler, who was reported missing in Baltimore on Sept. 17.
Police say the cause of death has not been determined and they are asking anyone who may have information about Butler's death to contact them.
(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)