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 is she cannot re-finance it in her name as she does not work. So she plays games on purpose, that line is secured by lien on a residence in Little Neck, NYC. I am current on everything else. I have been a customer since 2005 and require the 10, 000 limit. Just cutting someone’s line without notice is not professional, suppose I was out of the country and needed the availability. It is decisions like this that have put this economy in the mess that it is in. In stead of reading credit bureaus which are flawed a dialogue with a good customer is the way to go. In the past Kim Wright from your office has benn helpful.