HSBC Bank Nevada, closed my platinum mastercard after taking there annual fee due to inactivity. Said call number to re-apply. I did and said go online. So, I did and online said they will only give me a secured mastercard after I mail them $200. check. Are they crazy? Closed my account after annual fee and want me to pay them for a credit card. Household platinum mastercard started me with a $1, 100. limit and just because I did not use with in the last 3 or 4 months they closed. First, they decreased amount of cash advance from credit limit to $275. Guess, you are bett3er off not paying off cards so they can get rich otherwise they take away.