usually people starting with target is 200 store card and wanting it to grow to visa, so your already ahead there.
as far as HSBC and Cap1, I might call backdoor on cap 1 and say you want to make them your primary card but can't becuase they are not close to your other cl and waive annual fee.
close hsbc.
you might take a couple point hit for opening new account but closing shouldn't hurt you if you never used them unless they helped balance out your util.