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Regular Contributor
K_J
Posts: 209
Registered: ‎01-31-2012
0

Re: HSBC Credit Limit Increase

My limit is 2000, but would like to increase because of Age of account


Starting Score: EQ: 532, EX: 569, TU: 621 (All lender pull 10/15/11)
Current Score: EQ: 660,lender pull 4/13, EX: 671 lender pull 4/13, TU: 691 lender pull (4/13)
Goal Score: 700


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Regular Contributor
K_J
Posts: 209
Registered: ‎01-31-2012
0

Re: HSBC Credit Limit Increase

would give that a try, would update you. Thanks


Starting Score: EQ: 532, EX: 569, TU: 621 (All lender pull 10/15/11)
Current Score: EQ: 660,lender pull 4/13, EX: 671 lender pull 4/13, TU: 691 lender pull (4/13)
Goal Score: 700


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Regular Contributor
daneatreia
Posts: 109
Registered: ‎11-22-2011
0

Re: HSBC Credit Limit Increase

It was a soft pull, they asked my income and address and thats all. You can do CLI every 6 months, through the back door the rep informed me.


Starting Score: equifax 543myfico,experian (fako)634 quizzle, 605 walmart tu08
Current Score:equifax 649 myfico,experian 643 FICO (lender pull) , 651 walmart tu08, 650 Transunion 98 FICO (lender pull
Goal Score: 680 all three Dec 31 2012


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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: HSBC Credit Limit Increase


Trigga wrote:

nwokcguy wrote:

I got increases on both of my HSBC cards last month through the backdoor number.  All they asked was income and they were both SP.


Good to know i may go for a cli once my CR is updated with 0 balances .


Same here. it's either CLI or closure from here. No need for a $300 CL subprime card unless they are willing to increase.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: HSBC Credit Limit Increase

I just closed my HSBC card because they would not give me a CLI, buh bye HSBC!!!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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Regular Contributor
Trigga
Posts: 246
Registered: ‎12-14-2011
0

Re: HSBC Credit Limit Increase


LS2982 wrote:

Trigga wrote:

nwokcguy wrote:

I got increases on both of my HSBC cards last month through the backdoor number.  All they asked was income and they were both SP.


Good to know i may go for a cli once my CR is updated with 0 balances .


Same here. it's either CLI or closure from here. No need for a $300 CL subprime card unless they are willing to increase.


Ya mine has been sitting @ 400 for a year now , but i never called about a CLI before so ill give it a go soon . On a side note Capone gave me a 100 dollar cli this month lol now the capone is up to $301 lol . I cant wait to finish gardening for a bit untill my scores are 700 or atleast close to it , im sick of these cards !

WalMart 5k , Amazon 3.5k,Chase Freedom 1.5k , Citi TY 2k, Discover IT1.1k, HomeDepot 2.8k , Chase Slate1.5k , BofA cash rewards 1.5k, Lowes 12k , Kay Jewelers 3k , Gardening until 2015!
Regular Contributor
jk26978
Posts: 164
Registered: ‎08-21-2010
0

Re: HSBC Credit Limit Increase

They started me out with a $2000 cl, then, after about a year, they lowered my limit to $305.  No warning, just got a letter in the mail one day...the letter stated that my score was in the low 500's, which I know is not correct.  I stewed of course for a couple of days, then called them b/c I wanted to close the card.  I was transferred to a supervisor b/c the 1st lady couldn't tell me anything and couldn't close my card.  The "supervisor" asked which letter I had received, after telling her she said not to pay attention to the "credit score" listed that it was simply a form letter.  She said that since I hadn't used my card for a few months (like 7) that they figured I did not need that much of a limit so they lowered.  She then said that if I started using my card that after a few months it may go back up.  Well, it has been 4 mos now and no change.  Since my bk discharge in Dec 09 I have obtained 3 cards and a bestbuy card - have not been late actually usually pay prior to statement date, and have not paid any interest on any of them, all but one (which i used the 0 financing for about 9 mos) have been pif each month.  I do not want to press the credit line increase request b/c i do not want a hard pull....so...I am starting to think that maybe I should just close


Starting Score: 650 Current Score: EQ:716 (SW Alert 5-7-14) - TU: 698 (5/27/13 SW)Chapter 7 filed 8/2009 - Discharged 12/2009 Goal Score: 750
Joined the garden again 12/5/13
In the garden till at least 5/1/14
Established Member
creditnoob
Posts: 27
Registered: ‎01-07-2012
0

Re: HSBC Credit Limit Increase

I got my HSCB Best Buy Mastercard 6 months ago. It was my first credit card and it came with a $300 limit.

When my 6th statment cut I called the backdoor number and requested a cli. I was asked for my income and I was told I was approved for a $300 limit increase. Putting my limit up to $600. No hard pull.

EQ 1/21/12 - 672 (FICO purchased from equifax.com)
TU 1/5/12 - 704 (FICO from walmart)
EX 1/21/12 - 715 (FAKO from experian.com)

EX FAKO from Credit Sesame 1/3/12 - 707
TU FAKO from Credit Karma 1/21/12 - 667

Amex Zync(NPSL) - Barclay Apple Visa($1200) - Citi Plat Select MC($1000) - Chase Amazon Visa($500) - Best Buy MC($600) - Cap One Plat MC($300) - Walmart Store Card($700)
Regular Contributor
jk26978
Posts: 164
Registered: ‎08-21-2010
0

Re: HSBC Credit Limit Increase

[ Edited ]

Is the HSBC - Best Buy under the same as the House Hold Bank Credit Card?  My Best Buy has a Credit Limit of $1530.00. Just curious


Starting Score: 650 Current Score: EQ:716 (SW Alert 5-7-14) - TU: 698 (5/27/13 SW)Chapter 7 filed 8/2009 - Discharged 12/2009 Goal Score: 750
Joined the garden again 12/5/13
In the garden till at least 5/1/14
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: HSBC Credit Limit Increase


jk26978 wrote:

Is the HSBC - Best Buy under the same as the House Hold Bank Credit Card?  My Best Buy has a Credit Limit of $1530.00. Just curious


They are both HSBC cards.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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