SG in New York said: “I have had a HSBC credit card since March 2008. I make my payments on time and much more than the minimum. Although it may not be important to you, I am hard at work establishing a good credit report and score. The $300 limit is actually hurting me. I think enough time has passed to increase my limit to $1,500. I have been preparing a report to the FTC as I am very disturbed by the inequity and incompetence of credit reporting agencies. Trans Union reports 7 very satisfactory accounts (including HSBC) and one adverse - a $57.00 doctor bill paid last year. I have been disabled for 12 years and did not use credit most of that time because I was not handling my fionances. I have improved and am appalled at unfair and discriminatory practices of lenders and reporting agencies. You have had 9 months to judge my payment habits.”
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