HSBC Credit Card

I had 2 credit cards with HSBC. One was just a Mastercard which they closed last year stating due to the amount of credit that I had. I think they are full of it - I hadn't used it in over a year and I think that is why they closed it. And by their actions they confirmed this, because I also had the BEst Buy Reward Zone Card whiich they just recently lowered the credit line stating the same reason, yet I hadn't used it in over 2 years - I was paying it off monthly on a special same as cash, but didn't charge much on it.

And than when my last statement came in they charged me interest on the same as cash, even though the payment was there a week before the final date. I called them and they said that this would be removed. We'll see