............telling me they're raisiing my interest rate from 9.9 to 14 something. WTF? I pay ALL my credit card bills on time, and more than the minimum. Included in the letter in small print is the fact that I can call them and tell them I don't want this to happen. BUT If I do my accoun will be closed. WTF? Then I get an email today from the credit agency saying my credit score has changed 20 points. I was quite excited thinking I went up in score for being so good at paying. THEN I GO and check my credit score and it''s ACTUALLY been LOWERED 50 points! WTF? What is going on w/this country and all this financial stuff?!!!! I only applied for that card b/c the interest was below 10%. A big WTF to HSBC!