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[0] HSBC [1] 99 cents per $100 of monthly statement balance [2] May suspend payments and freeze account for up to 9 months for involuntarily unemployment or up to 3 months for qualified leave of absence. Must be working an average of at least 30 hours per week for the 30 days immediately preceding qualifying event, and be out of work for at least 30 consecutive days. May cancel account balance if involuntary unemployment lasts more than 9 months. Leave of absence must be approved by employer for the purpose of attending to needs of immediate family member due to an accident / illness, or attending to the needs of a new child. [3] May suspend payments and freeze account for up to 25 months if you are admitted to a skilled nursing facility: (1) a hospital, convalescent hospital, nursing home, or a psychiatric facility, (2) stay in the hospital or skilled nursing facility for a minimum of one night, and (3) be under a licensed physician's care while the injury or illness continues to impair ability to perform normal daily activities. May suspend payments up to 3 months if an immediate family member becomes disabled or hospitalized. May suspend payments and freeze your account for up to 18 months if you are unable to work due to temporary disability for at least 30 days in a row. Must be working an average of 30 hours per week over the 30 days prior to the date of event, and be under a licensed physician's care. May cancel account balance if temporary disability lasts more than 18 months or if you are permanently disabled. [5] May cancel one minimum payment per calendar year for marriage, birth, adoption, move, new job, retirement, college entry, or decade birthday. May suspend payments and freeze account for up to 3 months for identity theft. May suspend payments and freeze account for up to 3 months for divorce, legal separation or natural disaster that displaces you from your home. May suspend payments and freeze your account for up to 25 months for military duty. [4] 
May cancel account balance if you or your spouse die.
Credit card protection plans draw state lawsuits, federal scrutiny
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