HSBC Rejection

This is the 2nd time so far in my life my credit card application was rejected.  I was persuaded by this marketer at AMK MRT station some time ago into signing up for the HSBC credit card and their line of credit facility.  After I submitted my application, I forgot about it and I assumed my application would be accepted as a matter of procedure.

Then I received a letter from HSBC a few days ago, saying they rejected my application.  The exact reason was not given, but in the letter it stated that I am not up to their standard by their score system.  Then I received my debit card from HSBC at the same time too.  This debit card lets me use their line-of-credit facility.  Don't you think something is illogical here?  I highly suspect they just want to con me into using their line of credit, which bears very high interest rate from the very moment you take money out from that evil debit card.  So when I called them up to cancel my debit card, they said I could not do that.  If I do, I would have to pay a fee!   How ridiculous it is. 

Banks are banks, they are never honest or honourable.  Handle with GREAT care!