At Target yesterday, in the check out line, my card denied. Called HSBC they said nothing personal, across the board, protecting ourselves. Lowered my limit from 8600 to 3300 with no notice, no reason. Always pay on time, never overlimit, had account for app 8 years. This was 2/24/09, they said they would be sending a notice out on the 27th!!! I use my card for everything during the month, then usually pay it off at the end of the month. It has always been convenient for keeping track of purchases. Anyway, now I am overlimit. They best not... read full review »