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I recieved a notice yesterday that HSBC is decreasing my piddly $1000 CL to $705 as a reward for my perfect payment history with them. I've had the card for almost 5 years now with no CLIs and my credit has done nothing but get better since getting that card. I used it regularly until about a year ago when I got fed up with their BS excuses for no CLIs. Now it's making friends with my socks. I'll break it out every once in a while to keep it active. But really- what the h*ll HSBC? That's fine, I see how it is.

And this following their closing of my Saks card (inactivity)- which is fine b/c I had no business getting a store card there anyway.

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