I HAVE A HSBC CREDIT CARD WELL I DONT ANYMORE AS OF ME FINDING OUT ON APRIL 3, 2008. MY CARD I THINK I HAVE HAD IT FOR 2 YEARS. NEVER LATE ON CHARGES.. IN SEPT OF 2007 I PAID OFF MY BALANCE DUE TO ME BUYING A NEW HOUSE. I DIDNT WANT ANY EXTRA BILLS... I GET A LETTER IN THE MAIL STATING THAT THE COMPANY HAS CLOSED MY CREDIT CARDS ACCOUNT FOR INACTIVITY. I CALLED CUSTOMER CARE AND STATED THAT I HAVE BEEN A MEMBER WITH OTHER CREDIT CARDS COMPANIES FOR OVER 10-15 YEARS AND HAVE NEVER HAD MY CREDIT CARD ACCOUNT CLOSED BECAUSE I DIDNT USE IT. I ASKED HIM IF I USE IT AND I CANT PAY THE BILL ARE YOU GOING TO LET ME SLIDE ON THE PAYMENT.. OF COURSE NOT SO WHY SHOULD I BE OBLIGATED TO USE MY CREDIT. YOU DONT SEE CITI CARDS DOING THAT .. I SHOULD BE ABLE TO USE MY CREDIT CARDS WHEN I AM ABLE TO AFFORD THE PAYMENT OF BILLS. AND NO I DONT WANT THE ACCOUNT REOPENED. NOW LOOK WHAT GOES ON MY CREDIT REPORT. THEY LOVED ME WHEN I PAID OFF THE BALANCE THOU.