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07-22-2010 01:12 PM
I was just approved acouple days ago. I went through the pre-approval. Got invited to try and get the card. They pulled my TU and gave me 100 credit limit. Still waiting for the card.
07-22-2010 02:25 PM
HSBK Reward Zone Mastercard only pulled EQ for me although they are being very stingy nowadys with the cl's with only giving $100.00 cl is a waste, and to top it off now there is an issue on even giving out cli's and who even knows when it is going to start, if it even does???
07-22-2010 02:49 PM
If you are pre-approved for the gold, I'd steer clear unless you don't mind having a toy card. If you are pre-approved for the platinum version then it will have nicer limits.
07-22-2010 03:00 PM - edited 07-22-2010 03:01 PM
on a whim i did the prequal too, prequaled for platinum card so i bit the bullet. instant approval for $600 limit. not bad, at least there is no annual fee!
id like a better CL but hopefully since this is less subprime than the gold card, they will grow with me. does anyone know about CLI's with the platinum card?
07-22-2010 03:07 PM - edited 07-22-2010 03:08 PM
HSBC is currently not offering CLIs on any of their products other than store-only cards until at least the Fall, but maybe longer.
07-22-2010 03:16 PM
yeah, i know. i have a rewards card with them. perfect payment history. low utilization, and i use it every single month to keep activity. been stuck at $320 for a year now. im about to cancel it though. its my lowest limit since i started rebuilding. my highest limit is $2000 and hsbc will not budge on the $320. ugh.
07-26-2010 11:01 AM
Approval today!!! Gold card with $500 CL
I was reading the threads and my lender suggested that I get one more credit card to help utilization. Prior to today only one Visa thru First Initial/Legacy with a $450.00 CL. Just paid it down last week to under 9% utilities to help boost scores need 620 to get approval
602- TU 7/6/10
598- EX 7/6/10
600- EQ 7/6/10
I have not received an alert that my score has increased due to visa balance reporting at $24.00 as of 7/20/10 per the statement balance, hopefully I will be able to see an increase by end of week once CC update hits CRA's.
I have been working on this and it was a blessing to receive the card with the $500 CL! I was only expecting the $100 CL since the pre approval said I pre-qualified for the Gold Card.
This forum has kept my hope alive in the midst of all the negative collection agency reporting and nonsense and the repair rebuilding process.
I had to share the good news!!! Happy Monday!
08-02-2010 01:01 AM
FYI, If you have ever had ANY HSBC Bank Credit Card no matter who's name was on the front and had a problem with them in the past, be pre paired to get a decline even if the pre approval says your approved. Happened to me....... =/
08-02-2010 11:23 AM
I have a charged off hsbc two years ago and i still got the bestbuy gold card no af 500 cl a few weeks ago.
After the pre- approval what report will HSBC pull?
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