Credit Cards

[eddymvp]

I just called them and they asked me if it was OK to pull a Credit Report and I told them nope, and they declined the CLI application.

This is the first time I call a lender and they request a copy of my credit report to extends my line of credit. Once I paid the whole balance with them, I'm going to cancel my account with them.

[Brammy]

HSBC ALWAYS warns you but that doesn't mean they will pull.  They will not do it if you don't authorize so anytime you request you take a chance on a hard.

[MidnightVoice]

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eddymvp wrote:
I just called them and they asked me if it was OK to pull a Credit Report and I told them nope, and they declined the CLI application.

This is the first time I call a lender and they request a copy of my credit report to extends my line of credit. Once I paid the whole balance with them, I'm going to cancel my account with them.

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Chase always pulls a hard.

My CU always pulls a hard

[eddymvp]

I wanted the CLI but they wouldn't do it unless I authorize the credit pull.

[SWISSOATL]

Yep, thats what happened to me friday! i told them OK and then he goes!

Oh wow! Congratulations you have been approved for a $200 increase and there is a one-time

fee of only $50 do u want to process!

NO!

 HSBC is a mess! They will be closed when the year is UP!

[Sylviatob]

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SWISSOATL wrote:

Yep, thats what happened to me friday! i told them OK and then he goes!

Oh wow! Congratulations you have been approved for a $200 increase and there is a one-time

fee of only $50 do u want to process!

NO!

HSBC is a mess! They will be closed when the year is UP!

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Gads! They are as bad as Applied Bank! You have to "purchase" your cli's.

IMO, you did the right thing.

[SWISSOATL]

THANKS HUN!

I HAVE A $350 CLI WAITING ON ME @ APPLIED BANK ALSO! LOL

[ash4557]

Haha, I'll tell you whats bad about applied card is that darn card upgrade. Totally Annoying! "You're approved for a credit card upgrade to a visa gold-visa platinum" So one day I asked so just what is that you get for paying a 50.00 finance charge? One rep told me there is no difference only the card looks nicer??? So I said you dont get more of a credit limit increase on a platinum versus the classic? The rep said no... I don't think so!

[Brammy]

Guess it depends on the card. Last increase I auth'd, no pull tho they are known for small increases. Not a rebuilder tho.