HSBC Screwed Me (Follow Up from 6 March 2009 Post)

On March 6th, I called Orchard Bank (a division of HSBC) to lower the APR on my Master Card from 26.9% to 10.9%, the rate of my Orchard Bank Visa. As a short summary of my previous post about this, I called at 1:08 PM and spoke with Rachel, who informed me that she couldn't lower my rate and that...