HSBC/Orchard Pre selector proven to be Junk?

[JayRizzo]

Ha ha ha!  I would've given anything to be on that 3-way phone call.  Glad you blindsided them with that info!  The nerve some companies have... geeeeez 

[smc733]

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@JayRizzo wrote:

Ha ha ha!  I would've given anything to be on that 3-way phone call.  Glad you blindsided them with that info!  The nerve some companies have... geeeeez 

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I have HSBC's backdoor credit department number, they are SO nice, and always from the US, but they are ADAMANT on their decisions and WILL NOT budge about anything.

[vish1]

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@JaseT wrote:

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@MyCreditStinks wrote:

I have heard stories that the pre-selector will offer secured cards only, but if you actually bank with HSBC, it gives you real card offers instead of just the secured one.

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That's true if you try the HSBC preselector. However, the Orchard and Household preselectors have offered cards other than secured.

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I tried the orchard one and got secured card offer both with my credentials and dummy credentials.

[Creditaddict]

I just did the Orchard Bank and I was Pre-approved for some new eco-friendly credit card with rewards Platinum... then when I click continue it says it has $59 annual fee... The platinum is suppose to have no fees!! This offer sounds more like Gold and I'm not interested in a $300 limit

[smc733]

Orchard Platinum is supposed to have a $29-$59 AF depending on your "creditworthiness", or lack thereof.  None of the Orchards are AF-free.

[vish1]

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@smc733 wrote:

Orchard Platinum is supposed to have a $29-$59 AF depending on your "creditworthiness", or lack thereof.  None of the Orchards are AF-free.

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If that was not enough, they have processing feel also onsome cards.

[smc733]

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@vish1 wrote:

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@smc733 wrote:

Orchard Platinum is supposed to have a $29-$59 AF depending on your "creditworthiness", or lack thereof.  None of the Orchards are AF-free.

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If that was not enough, they have processing feel also onsome cards.

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Platinum is the only one without a processing fee, actually that you've mentioned it.