HSBC/Cap1 Best Buy Store Card CLI Approval!!!

[Ron1]

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@RockinRay wrote:

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@Ron1 wrote:

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@RockinRay wrote:

Can you still get the Master Card? I thought they were no longer offering??

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Ray,

I heard you can get the Mastercard inside the store and I'm not sure they still offer the Platinum MC with no AF.

Ron.

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Some years back, I had the Plat MC. They CLD'd me so I blew them off......

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Ray,

Soory to hear. HSBC were bad just like BofA/Barclays. You cannot carry balances more than 3 months. Their CSR are bad and offered no help. My brother got CLD when he carried balances more than 3 months.  The card rewards is just ok. and no cahs back. They gives you reward zone points. It is good if you shop at Best Buy a lot.  USAA is much better than them (you already know).

Ron.

[Ron1]

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@2NE1 wrote:

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@Ron1 wrote:

I also tried my Costco and it came back the following screen:

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Um... what is this HSBC Costco card about??

Congrats though!

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Yes, it is Costco Card. Thanks for congrats.

Ron.

[Ron1]

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@remarc wrote:

If that was the case which i dont think it is.. My APR is 21% . how did they already give me a CLI? I went from $1000 to $1300 at the first 6 month mark

How can you tell what account you have?

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Yes, they could.  The type of the account is already on their computer.  Type B account usually has a higher APR and CL under $1K. 

Ron.

[LS2982]

CONGRATS Ron!!!!

I'm convinced your a made man with BB lol

[Ron1]

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@LS2982 wrote:
CONGRATS Ron!!!!

I'm convinced your a made man with BB lol

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Thanks, LS.

Ron.

[remarc]

I called up. Csr said my accounts eligible for credit increases! She said I was able to ask for one so we tried & guest what? DENIED.

I bet it says in the letter my account is not eligible for a credit increase! I have no idea why this keeps happening & not sure how to go about it. I've purchased lots of high price ticket items. I've always paid them off. More than my monthly minimum & never been late.

[Ron1]

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@remarc wrote:
I called up. Csr said my accounts eligible for credit increases! She said I was able to ask for one so we tried & guest what? DENIED.

I bet it says in the letter my account is not eligible for a credit increase! I have no idea why this keeps happening & not sure how to go about it. I've purchased lots of high price ticket items. I've always paid them off. More than my monthly minimum & never been late.

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Sorry to hear . Did she tell you the reason of the denial? I think they will send you the denial letter in the mail.

Ron.

[skyisthelimit]

Ron, congrats on the CLI. If you don't mind me asking: What was your original limit, your fico score and income?  I really want to get the card but not looking to get the 1k limit card and be stuck with it.  Thanks.

[LS2982]

I just tried for a CLI on mine but no dice

I think I have to wait 6 months after an approved CLI (got 1 in march)

[Ron1]

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@skyisthelimit wrote:

Ron, congrats on the CLI. If you don't mind me asking: What was your original limit, your fico score and income?  I really want to get the card but not looking to get the 1k limit card and be stuck with it.  Thanks.

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The orignial limit was $28600 and  FICO score was 750.

Ron.