Financial Finagling

I got a debt collection call from representatives of HSBC this morning, and it set me off, since HSBC was one of three banks to cut/cancel my corporate credit lines after the first inklings of financial panic hit the banking industry.
Now I tend to play hardball with these people, because I have no problem hoisting them on their own petard, nor should you.
1. I have not paid or deferred payment to them when I want them to negotiate, which works, and we’ve even had clients do the same;
2. All three of the money center banks were cancelled and offered terms to pay off the credit line balances, but only one actually took me up on it (Chase); another would up reinstating my credit line, and ol HSBC didn’t say anything for about three years. I’m not in the habit of rewarding corporate stupidity, nor am I in the habit of losing court cases to these cretins. Chase is still tied up in court three years later, having lost the renegotiation paperwork in 2009;
3, Do these hardball tacktics work? I think so. American Express actually just approved me for a Gold Card, which is just about what I was looking for, as Solutions Forum becomes more aggressive on its marketing.
So, my message to all of you is hang in there.