Yikes!!! A $99 AF and only a $500 cl?? Oh! That's just pure silly!
I remember the first week I came to this forum, I was complaining about my old Applied Bank card. Some wise person said to me "if it's costing you money, and loosing the credit line will not hurt you, then by all means close it!"
guy, I say the same thing to you.
I took their advice and closed it last week. The first card I've ever closed. And it felt good.
I have no hesitation at all to close the little HSBC card I have now. After all, if closed in good standing the history will remain on my CR's for another 7 years. And I've never had one late on that HSBC(wish I could say the same for the other cc's I have).
There are MUCH better cards out there. Even starter/rebuilder cards. Cap1 has several. You might want to consider trying them.