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Valued Contributor
youngandcreditwrthy
Posts: 3,786
Registered: ‎08-16-2012

Re: HSBC Closed Card :(

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‎11-02-2012 06:51 PM

I guarantee it's bc Crapital One took over. They lowered my Neiman Marcus acct CL, so I took the proper action and just closed it. If your scores are high enough, just open a new, better account with a higher limit!
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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jwduke
Posts: 84
Registered: ‎01-14-2012

Re: HSBC Closed Card :(

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‎11-04-2012 08:43 AM

They closed mine last week, due to in activity.....$1,410 CL & 22.9% IR....Not a real big loss!


Starting Score: 675
Current Score: FICO- 758 (05/13/13)
Goal Score: 760+ All Three



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Established Contributor
modernsurrender
Posts: 805
Registered: ‎02-01-2008

Re: HSBC Closed Card :(

[ Edited ]
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‎11-04-2012 11:43 AM - edited ‎11-04-2012 11:43 AM

jwduke wrote:

They closed mine last week, due to in activity.....$1,410 CL & 22.9% IR....Not a real big loss!

I would have preferred that reasoning since it would have been more reasonable than "we cut you off because of the derogs on your report, even though you have 1/3 as many as when we approved you" lol

 

I did get an email response back that they can review the account for reinstatement at anytime, but that requesting this review authorizes them to pull my report... I don't think I'll bother because it's probably not worth it for a hard pull, but I'm still peeved!

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 Barclay NFL: $2500 BofA:$2400 Simplicity: $2000
Discover IT: $1700 FNBO: $1000 Victoria's Secret: $1000 Walmart: $900 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
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