Valued Member
Posts: 47
Registered: ‎12-29-2008

Re: 2%+ Cash Back on Everything Cards

haulingthescoreup wrote:

Cher wrote:

One bad thing to note, they do not report to the CRA on set statement dates.  I paid in full 2 days before the statement date and they still reported the whole balance to all the CRA :smileymad:

Most HSBC bank cards, including Orchard, report your balance on the last business day of the month, as of that day. So you can still time your PIF'ing, you just have to do it on a different time plan.

HSBC does like to do its own thing, that's for sure.

Thank you!  I will keep that in mind :smileyhappy:

01/12/09 - XPN 755 / EFX 702 / TUC 765
11/10/08 - XPN 677 / EFX 668 / TUC 701
05/01/08 - XPN 653 / EFX 653 / TUC 650
Started credit repair 2006 with 14 collections, avg 530 score
Frequent Contributor
Posts: 280
Registered: ‎02-05-2008

Re: 2%+ Cash Back on Everything Cards

I have the HSBC card with 2% cashback on everything.  My CL is $1500.  It's not a huge CL, but I use it as my "beater card" and for all my monthly purchases and PIF each month.  It's not advertised on their website but it was offered to me when I did a pre-qual on their website.  I love it.  I get a nice $25 check every couple of mths. 

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.