Lucky you man!!
HSBC approving declined application 👌
I already hold Visa Platinum, tried getting Cashback, but for unknown reasons they declined !!
No source of information nowhere. I raised a complaint on April 27th, and no reply since then !!
Then if you loose the DC, you won't be able to apply again.
If balance is not maintained, you will get downgrade and then it will become chargeable i guess (It's pure hypothetical, no one has experienced)