Credit Cards

[Ron1]

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scottwagnon wrote:

Oops... the credit analyst said conversion. shoot.

ron1 reply:

"They sent me a new card and a letter about three weeks ago. They're not going to sell my HSBC Cash Back Platinum MC to Cap1."

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Here is my thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Got-a-new-HSBC-Platinum-Card-and-a-new-letter-today/m-p...

Ron.

[hemi961]

I have had the Cash or Fly Mastercard for a couple of years now and also got my letter and new card a couple of weeks ago.  As has been noted, only the name of the bank changed, it is still HSBC and there has never been any indication that these particular cards would change to Cap1. 

[scottwagnon]

The more I read, the more it appears that it's fact that ALL American HSBC cards will begin converting to Capital One on may 1st.

[scottwagnon]

Happy time indeed! I'm so thrilled about this. I look forward to seeing how this evolves, but most of all, I anticipate this card will soon have no foreign transaction fees!

[scottwagnon]

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hemi961 wrote:

I have had the Cash or Fly Mastercard for a couple of years now and also got my letter and new card a couple of weeks ago.  As has been noted, only the name of the bank changed, it is still HSBC and there has never been any indication that these particular cards would change to Cap1. 

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When you were initially approved, what credit limit did you receive, as well as your standard purchase apr?

[hemi961]

My credit limit was $5,000 and the apr is 12.99%.  I've never asked for an increase and haven't received any automatic ones. 

[scottwagnon]

I envy you then as I am starting out with 15.99% apr, though my approval includes 12 months 0% apr promo. Did you get this promo as well? And we're you pre approved prior to your app?

[hemi961]

I really don't remember if there was any promo or not as it was about 2 years ago and I never carry any balances, so I didn't pay attention to the terms.  I've never had any problems with them and my payments always post in a timely manner.  I've never had any reason to call in, so I'm not sure how their customer service is. 

[LS2982]

Congrats Scott!!!!!

You have to be the first member here that loves Cap1 like that!!

[boomhower]

Why do you want in with CapOne so bad?