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Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: HSBC Closed Card :(

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!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
jwduke
Posts: 117
Registered: ‎01-14-2012
0

Re: HSBC Closed Card :(

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- 772 (09/20/14)
Goal Score: 780+ All Three




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Established Contributor
modernsurrender
Posts: 805
Registered: ‎02-01-2008
0

Re: HSBC Closed Card :(

[ Edited ]

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 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)

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