New card from Orchard. Yeah, I know how you feel and I haven't had the best in service from the house of HSBC. BUT...The card I got today is a 2% cash back, 0% interest for six months and then 8.9%APR after that. Other than the lowly 2K CL (1/4 of my HSBC Account) what am I missing here. This really isn't too bad of a deal, is it? Oh, it was supposed to have dolphins on it. I picked dolphins. It is blue like the dolphins one but no dolphins. Wonder why? I know, because it is HSBC and they just had to screw up a good thing.