topic Re: Household/HSBC luv button in Credit Cards

Household/HSBC luv button

-Cain- — Thu, 22 Sep 2011 04:27:12 GMT

So I signed on and checked the luv button. Message reads "we may obtain a copy of CR in order to ...". If I hit it, will it be a hard or soft pull?
I was honestly expecting the same ol' " we are not processing CLIs at this time" message.

Re: Household/HSBC luv button

shane82388 — Thu, 22 Sep 2011 04:32:16 GMT

WOW i jsut checked too...

It says "In order to process your request, please contact a customer service representative."

Hmm....maybe it will start working soon? Does Orchard usually do hard pulls to increase credit limit or soft?

Re: Household/HSBC luv button

-Cain- — Thu, 22 Sep 2011 04:38:52 GMT

Never tried before, searched and haven't found my answer yet, so I made this thread. I'd like to try it, but don't want to waste an INQ on this just yet. Would love to hear from anyone with experience on this topic.

Re: Household/HSBC luv button

-Cain- — Thu, 22 Sep 2011 04:40:27 GMT

Did you hit the button and receive the same initial message, or did it say to call from the gitgo.

Re: Household/HSBC luv button

shane82388 — Thu, 22 Sep 2011 05:33:24 GMT

I went to customer service tab, then to request credit limit increase, then it jsut says form unavailable please contact customer service etc.

This morning it said "we are not giving out credit limit increases. sorry." like it has for as long as ive had the card....so this somehow seems like progress...lol

Re: Household/HSBC luv button

-Cain- — Thu, 22 Sep 2011 05:44:18 GMT

So we got different messages. My screen alerted me of a possible pull should I continue (I didn't). If it is confirmed to be a soft pull, I'll do it. I don't know that a hard pull is worth the risk of getting a small CLI vs. using it for a better card down the road.

Re: Household/HSBC luv button

shane82388 — Thu, 22 Sep 2011 06:00:16 GMT

yeah...my card is an Orchard Bank card but thats pretty much the same.

I've only had the card since May so maybe thats why its not even giving me the option...who knows. Maybe it will change in the next 24 hours or soemthing...I hope so. It would be nice if it was a soft pull, i'd definitely do it... this $300 is a joke when im being approved for $2300 Apple Barclays Card and AMEX Green but what can ya do...

Re: Household/HSBC luv button

Seatown1two — Thu, 22 Sep 2011 06:04:13 GMT

I have an orchard account and it also says "In order to process your request, please contact a customer service representative" instead of "we are not processing CLIs at this time". If anyone has any luck with a CLI please post here...

Re: Household/HSBC luv button

-Cain- — Thu, 22 Sep 2011 06:05:24 GMT

Mine was opened late July, so I don't think that's the reason for the different messages. I was approved for discover one week later. Don't know if it helped or not, but I don't think I need it anymore. I hope someone chimes in and let's us know whether it'd be a hard or soft pull.

Re: Household/HSBC luv button

mxp114 — Thu, 22 Sep 2011 08:48:25 GMT

Just got $1k CLI on my HSBC RZMC via the site and no hard pulled.

Re: Household/HSBC luv button

shane82388 — Thu, 22 Sep 2011 08:50:40 GMT

still not working for me.

wow, isnt that huge for that rewards zone card? i always hear of people being stuck at $300 or getting $100 CLI's...

Re: Household/HSBC luv button

mxp114 — Thu, 22 Sep 2011 08:52:08 GMT

I have a Prime Platinum RZMC with $5k and now $6k. I think that's why. I noticed on my old Gold RZMC $500 CL card, I can't do a CLI.

Re: Household/HSBC luv button

shane82388 — Thu, 22 Sep 2011 08:54:29 GMT

Ohh then thats definitely why. Congrats anyways on the CLI.

Re: Household/HSBC luv button

mxp114 — Thu, 22 Sep 2011 08:59:26 GMT

Thank you and from what I understand they are starting CLI's for all card products as of 9/22. So check back later today and hopefully you will get one.

Re: Household/HSBC luv button

Dbadup — Thu, 22 Sep 2011 12:49:41 GMT

Hmmm I called the the CSR and he assured me it was a soft pull! From 300 to 400!

Re: Household/HSBC luv button

saaws — Thu, 22 Sep 2011 12:55:43 GMT

I also have Prime RZMC mastercard, went on to hit the cli button, they asked me for my annual income and they gave me cli of 1K, from 4K to 5K.

Re: Household/HSBC luv button

chesnutlane — Thu, 22 Sep 2011 13:19:47 GMT

I checked my Orchard card as well, same response call customer care which I did and was given an increase from 300 to 400, and was told it was a manual pull and a hard pull was not required. Have a good day everyone !

Re: Household/HSBC luv button

moonman — Thu, 22 Sep 2011 13:39:11 GMT

The old cli request form on my Household acount with no annual fee that used to give pretty good increases every six months a few years back finally approved a request for 1k and now my limit is 5k (the max limit for this card).

Re: Household/HSBC luv button

Bemmel — Thu, 22 Sep 2011 13:46:27 GMT

Was it a hard pull for the $1000 CLI?

Re: Household/HSBC luv button

Mekitcat — Thu, 22 Sep 2011 15:13:48 GMT

Ok Yesterday when I first read your post of course I tried and it said "Sorry we are not taking credit increase requests at this time"

So today I tried again and it said "In order to process your request, please contact us to speak to a Customer Care representative."

That to me is progress!! Keeping my fingers crossed. I have a balance credit with them right now, and I haven't used the card in a month. I will wait and see if it changes.