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Frequent Contributor
eddymvp
Posts: 462
Registered: ‎03-04-2008
0

HBSC would pull credit report to CLI.

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.
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
0

Re: HBSC would pull credit report to CLI.

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.
Super Contributor
MidnightVoice
Posts: 8,161
Registered: ‎03-25-2007
0

Re: HBSC would pull credit report to CLI.



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.

Chase always pulls a hard.
 
My CU always pulls a hard
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Frequent Contributor
eddymvp
Posts: 462
Registered: ‎03-04-2008
0

Re: HBSC would pull credit report to CLI.

I wanted the CLI but they wouldn't do it unless I authorize the credit pull.
Contributor
SWISSOATL
Posts: 139
Registered: ‎11-14-2007
0

Re: HBSC would pull credit report to CLI.

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!
EQ N/A
EXP- 692
TU- 673 3/10/08br>
Senior Contributor
Sylviatob
Posts: 4,596
Registered: ‎09-14-2007
0

Re: HBSC would pull credit report to CLI.



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!





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

IMO, you did the right thing.
"Never ever, ever be late. Never" (FUTR)
Contributor
SWISSOATL
Posts: 139
Registered: ‎11-14-2007
0

Re: HBSC would pull credit report to CLI.

THANKS HUN!
I HAVE A $350 CLI WAITING ON ME @ APPLIED BANK ALSO! LOL
EQ N/A
EXP- 692
TU- 673 3/10/08br>
Regular Contributor
ash4557
Posts: 196
Registered: ‎07-25-2007
0

Re: HBSC would pull credit report to CLI.

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!
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
0

Re: HBSC would pull credit report to CLI.

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

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