I need a little help trying to get HSBC to waive or either reduce my annual fee. It is $79. My limit was $300. I have had the card for a year October 1st. I was just given a cli of $100 via a soft pull(I hope its not a hard pull). I don't want to pay $79 annual fee for $400 credit limit. Also I applied for a Discover Student card and was denied but they offered me the HSBC Direct Rewards Discover Card. I accepted the offer thinking it was going to be a higher limit but is was a measly $300 card with a $59 annual fee.If you have a number to call please let me know.
Thank you for your help
Hey, goodgirl - if you search these boards, you'll find that Orchard rarely waives their AF. If your score has improved, try apping for a card without an AF or at least one with a lower one.
Best of luck!