Originally Posted by
allbrosca
Two thumbs down on my experience with the HSBC card. I have had the card about 6 months. The credit limit is so low that I can't book a business class ticket and a hotel stay without going over the limit. I called to get them to raise the limit and first thing they asked about was my other accounts with HSBC of which I have none.
I had a similar issue applying for the HSBC credit card. However, I had several accounts with them with substantial amounts in them to boot. When I applied I was rejected in spite of me having a dozen cards and a near perfect credit score. About 2 weeks after I received the letter someone from HSBC called to apologize and offer the card at which point I rejected them! Meanwhile AmEx had no problem issuing me another card, this time for the UK (where I moved to study), no questions to answer just scan passport provide details of existing relationship with AmEx over the phone and 2 weeks later my UK card arrived!
Originally Posted by
allbrosca
I do like no forex fees so I will probably go for the Scotia but I have learned my lesson and will first check the limit.
Have you checked out the Brim Financial card? I got that card for specifically that feature and it's got no annual fee to boot. It also earns cash rewards at a rate of 1% and has a bunch of other features like free Boingo global wifi and $500 mobile device insurance. They also have cards with annual fees from $100-$200 like Brim World and Brim World Elite which carry the same features but also have lounge access, increased insurance, etc. They also run promotions from time to time, I ended up getting a year of Amazon Prime free after spending $1000 on the card. IMHO the no annual BRIM card is the best, particularly if you are like me and hold other cards/status that provide better benefits (i.e. AE Gold).
Safe Travels,
James