My home base is in Tampa, FL, but I'm HSBC Premier in the UK. I'm now in France for about 6 months and I've just signed up for Premier here (in Paris). Suprisingly they are going to give me a HSBC credit card in France immediately (albeit with a monthly fee) whereas I could not get one in the UK as I had limited recent credit history (but in France I have none !). I'll report back on my experiences with the Premier service here - one thing I have found is that they don't offer internet services in their lounges - that was a real PITA as I could not get WIFI to work at my hotel and I was forced to use one of those cafes - you know the ones where no food or drink is allowed. BTW - I'm also Citigold, but a fat lot of good that will do me in France.