I was waiting to hear from Discover because I apped for the open roads card and a hbsc discover card came in the mail along with a denial from Discover today Then it has a $300 dollar credit limit. If I never register the card will they still report
OP,after Discover denied me the Direct Rewards (Hsbc Discover)version was approved instead..I had already taken the hit and they sent the card with a measley $300...Im gonna close it real soon.....
I'm gonna call them after I got off of work. I opened the letter and the 1st thing I saw was the Discover logo on the card and thought I was approved. I never agreed to this card. HSBC has been sending me so many pre approvals and as soon as I get them out of the mailbox they go straight to the shredder.
If hsbc feels you are sub-prime or you already have an hsbc card then the mailings continue for a long time. even with scores in the 700s discover is turning people down. I was disrespectfully turned down by boa, chase, and discover all for the same reason. one old charge off from 4 years ago. that's the only negative I have and its what the letters stated. I got the hsbc discover with a grand on it. I thought well WTF they did the hard pull and now it goes in a drawer with other unused subprime cards I had to have when I first started rebuilding my credit.
HSBC Discover seems like a good card. Customer support is lot different from other cards. CLI is good. I got CLI after 3 months with out even asking. I am not sure what is considered as prime or subprime card, but HSBC Discover seems to be good among my cards. Give it a try and use it for few days and see how you feel with the card.
I am really starting to believe to get a CLI on this card you have to really use the heck of it and pay it in full all the time. I have an HSBC Direct Rewards (Discover Network) card and the CL is currently 1400 dollars. It is my highest CL on the 8 tradelines that I have.
Message Edited by landocalrissian on 02-05-200801:04 PM
Starting Score: EXP - 561, EQ - 590, TU - 573