Three months in a row--a card that was cut up in May due to increased interest--was under limit (barely) at that time and since then they've been charging me between $87-120 a month in overlimit, late, etc. fees. I ask them what it will take to get it safely under limit and they give me a number that's too low so that the following month I'm over again. For crying out loud! I have paid over $400 in three months on a card with a 2000 limit that has not been used in 3 months and I AM STILL overlimit! All I get is doublespeak when I call the company. RUN away from all branches of HSBC, the biggest con in the credit industry!