I've noticed in the past few years with HSBC Discover, they have made some policy changes to reduce your available credit without actually reducing your available credit. Case in point, when I make a purchase, say airline tickets for $600 on April 1st. The airline company authorizes $600 on my credit card. A few days later (April 3rd), the $600 purchase "post" to by account and my credit balance shows $600. With a $5000 credit line and no other charges or authorizations on my account, any normal person would expect $600 balance... read full review »