I don't think HSBC is in the consumer lending business any more, they sold most of their card business to Capital One, including Orchard Bank.
I'll give it a try in a few months anyway because I'm fairly sure that debt was sold off many years before the takeover. They may or may not have my records and that account is now 9 yrs 10 months and will be deleted from my reports in Feb anyway.
I was discharged from CH7 this year and applied 9/12 for Capital One. I was approved for the platinum card with a small limit. I always pay the card in full each month. This month, I decided to try and apply for Capital One Rewards card and just see what happened, I was approved with a decent CL and I believe it was because they looked at my history over the past few months with the other card. I also have a Credit One Bank card. I acquired all three of these cards within months of my discharge so I know its possible to start rebuilding immediately!! At least, that has been my experience.
I personally don't know anyone, but I have messaged back and forth with one of the moderators here who has one. I believe there also may be a thread associated with it as well. I was told on this forum as well as another, that the barclays (which is the old juniper card) is BK friendly if your one year out. I will update this thread after I apply in a few weeks, but don't know which barclays card to apply for yet.
Hello! I lurk more in this forum than actually posting; however, I am one of the referred to above. I was declined a Barclay card itunes visa; called backdoor (credit analyst) number... poored my heart and soul out for a chance... begged for a measley $100.00 line and got $250.00 in November, 2010 -- now I'm at $2,500.00; also, have had success in getting Travelocity Amex for $1,000.00 initially in August, 2011 -- now at $2,000.00.
I, at pleading stage, had a Chapter 7 and Chapter 11 on my record. The analyst was VERY hesistant, but.. I'm very persistent and I figured he caved when I said, look I didn't get A's in my MBA courses being ignorant.