I have been a card holder since 2005 and have never been late. My credit card limit was cut for $10, 000 to $5, 300 with out even a phone call, my balance is $5, 100 so basically no credit, I noticed it on line. In January 2009 I submitted a balance transfer request and received a phone call asking to update some information and explain a 30 day past due on a HSBC account. That account is a home equity line from my old residence in NYC. Those payments are to be made at the responsibility of me ex-wife. And I have legal proof. The problem i... read full review »