By the way, this is the second time they have done this: Two years ago we had a balance on our card, always made payments ON TIME, NEVER MISSED and HSBC decieded to reduce our credit limit (to about $300 over what we had already charged) this of course, put a ding on the credit score.. now here we are about two (2) years later and low and behold, once again they have done the same thing! We have NEVER been late paying them - this is really screwing up my credit !!! IS there anything I can do about this?? What a bunch of crap- penalizing people who PAY THEIR BILLS!!! shameful!