I got their Mastercard in 2006 because my credit was less than perfect. I was aware of the fees and the high interest rate, but I needed a way to build my credit. As my credit improved, I tried to cancel the card because of the high interest rate and the annual fee. Both were dropped if I agreed to stay. For over four years, I never had a complaint. I recently called to ask about the credit limit. Most of my cards have increased my limit because of my now perfect credit, but HSBC had not. I was told its not something they're doing now... read full review »