Re: Just say ...
I gave up using Amex in Brasil as unless it is an Amex(Brasil) card it was very rarely accepted. My HSBC cards generally work OK, but attract a hefty charge when withdrawing cash from HSBC cash machines. HSBC Brasil is (was) a separate company, a franchise more or less. Trying to transfer cash from HSBC/UK to HSBC/Brasil is a nightmare, though that is more Brasil than HSBC. HSBC is now pulling out of Brasil and has sold its whole operation to a local bank (Bradesco I think)