I just got my statement from HSBC and they gave me a 1000 cli now its 3500. This is a card I got in a mail offer,I didn't even ask for a increase . Before I got this card I tried on line and got an Orchard instantly for 300 paid great with no problems so I asked for then begged for 500 to no avail got mad and cancelled it because of no cli and yearly fee was coming. This card has no fee and only had it 7 mo. They are BK friendly to me.