Hey guys,
It appears how HSBC is now reporting to the CA has changed. For the past 4-5 years I've had this card, they've always reported on the final day of the month. Now it seems they are reporting on the statement date as I was dinged with having a small balance on my card.
Sorry if this was a repost. Although it only knocked my score down 2 points, I'm on the borderline for hitting my mark of 760 prior to applying for a mortgage in the next few months. Could have picked a better time for this to change over. 
@Anonymous wrote:Hey guys,
It appears how HSBC is now reporting to the CA has changed. For the past 4-5 years I've had this card, they've always reported on the final day of the month. Now it seems they are reporting on the statement date as I was dinged with having a small balance on my card.
Sorry if this was a repost. Although it only knocked my score down 2 points, I'm on the borderline for hitting my mark of 760 prior to applying for a mortgage in the next few months. Could have picked a better time for this to change over.
Bump! To all of HSBC card holders ... have you noticed anything like this?
Are you talking about this thread?
@Anonymous wrote:So, as of now this card has been my primary card for a little over the past 3 years (opened in September 2007). My balance started at $750, migrated to $1250 and finally at it's current level of $1800. My issue is I need to pay this card off between 2 and 4 times per month so at the end of the month, it's not reporting full utilization.
My current gross income is roughly $7600 / month with only $550 in total payments due showing on my report. Do I have a valid arguement for a credit line increase or should I perhaps move to applying for an AMEX card?
Thanks!