HSBC - Orchard Bank
Is a legalized Mafia! Do not use them @ any cost!
I paid 2 cards off with them completely, making every payment on time. Owed nothing. Raised my interest rate to 29% so I cancelled card number 1. They still billed me the annual 39.00 fee. So I closed it. Kept second card, even though it was paid off to show I had non used credit on my credit ...