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Closed my HSBC discover today...

Established Member

Closed my HSBC discover today...

Because of the $300.00 limit and $59.00, they tried to keep me...lol...tried to tell me they MAY be giving CLI's soon, that I should keep it...but NO way...Not when I was just approved for a Discover More with a REAL limit of $4500.00, I also closed my rebuilder Orchard card...Feels good to finally get a real card...I also was preapproved for the amex zynk on the site and I apped and was approved for that card too...so good riddance to HSBC and their low limit cards...

7 REPLIES
Frequent Contributor

Re: Closed my HSBC discover today...

I don't blame you with HSBC. 300 CL with a $59 AF is harsh.

Grats on your DISCOVER card! Nice CL too!


Starting Score: 600s
Current Score: EQ 08 798 on 5/28/14, TU 792 on 5/27/4 via Barclay, EX 798 on 5/28/14
Goal Score: 760


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Senior Contributor

Re: Closed my HSBC discover today...

Just curious, how long did you have this card?

Established Member

Re: Closed my HSBC discover today...

may of 2009 is when i opened it

Valued Contributor

Re: Closed my HSBC discover today...

closed mine yesterday...had it for 2 years, it was time. 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Valued Contributor

Re: Closed my HSBC discover today...

I would make sure it's really closed.  I had the same card, same CL with the same AF.  I "closed" it 9/09.  I noticed just today on my Experian report that it's still being reported as open.  Smiley Mad

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Senior Contributor

Re: Closed my HSBC discover today...


clocktick wrote:

I would make sure it's really closed.  I had the same card, same CL with the same AF.  I "closed" it 9/09.  I noticed just today on my Experian report that it's still being reported as open.  Smiley Mad


I would think that would not be a bad thing.....

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Moderator Emeritus

Re: Closed my HSBC discover today...


clocktick wrote:

I would make sure it's really closed.  I had the same card, same CL with the same AF.  I "closed" it 9/09.  I noticed just today on my Experian report that it's still being reported as openSmiley Mad


That's not a bad thing at all. As long as it's reporting as open it will continue to help your AAoA. Generally once an account is closed it will report for up to 10 after closing.

 

If it stays this way you are one of the fortunate few.  Smiley Happy

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".