Credit Card Center Advertiser Disclosure†
03-21-2010 11:46 AM
It seems to me that HSBC being able to verify your identity is a very important factor with them.
I wouldn't fret over the small CL- use the card for the rewards points and to build up your Fico's and I'm sure once your scores go up so will your CL.
03-22-2010 05:53 AM - edited 03-22-2010 05:54 AM
Congrats. Same here I'm done apping for awhile I'm going to tend to my cards for awhile!
EDIT: This is going to reduce my stress levels by alot!
03-22-2010 06:44 AM
Anyone know about how long it takes to get the card once accepted? I've read that HSBC takes forever so not sure if it applies to the BB card as well.
03-22-2010 09:14 AM
Does anyone know if this will prompt a "Sorry but you have recently been accepted for another HSBC credit card" decline message?
Ive had the Orchard since March 09 (almost 1 yr) and Ive tried applying last year for a different HSBC card (not BB RZ) after being preapproved and got this declined message. Ive heard you have to wait 18 mos in between HSBC cards but wasnt sure if this also applied to the Best Buy card....
I filled out the pre-approval application for the BB RZ MC and it came back as pre-approved for the Gold card....
03-22-2010 09:30 AM
I had an HSBC credit rebuilder card, and when I tried to reapply, they told me that I had to wait 18 months before I could apply for another card. You may want to call them and see if this is the case for your Orchard card.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.