I'm an HSBC Premier customer who has the Premier World MC. HSBC dropped online savings account rate from .8% to .5%, and I no longer wish to have 100K+ at HSBC. If I drop below 100K and choose to drop from Premier to non-Premier, I understand that I'll lose my Premier MC.

I want to keep my line of credit open and get some other HSBC credit card so it doesn't hurt my credit score, but I've been given the run-around about it. What, if any, rights do I have at this point?