I am an HSBC card holder. Today I received a phone call from an HSBC representative to voluntarily waive provisions of the newly passed financial services reform act. The company representative said I could voluntarily waive the provision of the bill to stay within my credit limit. If I exceed my limit, the company would impose a thirty-five dollar fine on my card. This is precisely a situation the financial services reform act was designed to remedy. For decades now, the credit card industry has allowed card holders to exceed their credit... read full review »