I have had an HSBC Direct savings account for many years. A few months ago I received a pre-approval email, applied, and was approved....for a $750CL, my lowest limit; my 2 Cap1 cards and former Household Bank cards are all higher, as is my CU Visa. I have 0%APR and earn double points for the first six months, and no AF or FTF, so I'm keeping it. It is only my 2nd 'prime' card, so I'm hoping that over time the CL will grow. Their fraud prevention is quite diligent; almost annoyingly so. If I use the card at a gas station more than once a day, the card gets shut off, and I have to call and verify my identity.
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I had this card for a few years, they started off with a high interest rate, and the same credit limit has stayed in effect since I had the card. They don't lower interest rates as they should, and denied a credit limit increase. They are not bad when it comes to customer service and most things are taken care of relatively quickly. It's an ok card.
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