concorduser wrote:I called and talked to HSBC. They talked me into keeping one card. I do have to pay AF but they will refund CLI fee they charged. So in the end it would cost me $4.50 for AF for the card. They will combine both cards CL into one $500 + $500 + Plus a CLI of $400. So total in the end I'll have one card with $1400 CL and an AF of $4.50. I guess it is not bad for now. I'll keep it for another year and see how things goes at that time.