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HSBC Prequalify

Frequent Contributor

HSBC Prequalify

Good morning i went to the HSBC website and they said I pre qualified for the HSBC 2% cash back visa card. How good are they about honoring their prequalify info? I really would like to have another card. I only have one cc BOA 99/500. Your opinions would be greatly appreciated.

Starting Score: 3/21 EQ 636 TU 669
Current Score: 12/30 EQ 740 TU 712 EX ??? ....
Goal Score: Yay... I reached my goal of 700!!!


Take the FICO Fitness Challenge

Message 1 of 18
17 REPLIES
Epic Contributor

Re: HSBC Prequalify

unless you have had an account with them in the past, I think they are pretty good about honoring them. My friend was pre-qaul last week and then was declined, but it was a bad offer and he had a bad past account with them.
Message 2 of 18
Frequent Contributor

Re: HSBC Prequalify

Do you know who they pull?

Starting Score: 3/21 EQ 636 TU 669
Current Score: 12/30 EQ 740 TU 712 EX ??? ....
Goal Score: Yay... I reached my goal of 700!!!


Take the FICO Fitness Challenge

Message 3 of 18
Frequent Contributor

Re: HSBC Prequalify

i went ahead and applied it stated that I was approved. I also paid the processing fee. Does that mean I was approved for the card?

Starting Score: 3/21 EQ 636 TU 669
Current Score: 12/30 EQ 740 TU 712 EX ??? ....
Goal Score: Yay... I reached my goal of 700!!!


Take the FICO Fitness Challenge

Message 4 of 18
Established Member

Re: HSBC Prequalify

from what ive seen, once you pay the processing fee, you are pretty sure the card is yours...however i do know they dont like you to have more than 1 card...i have an orchard with them,. good standing for over 2 years now. i prequalified for one of their hsbc cards, said approved then sent me a letter of decline due to having teh orchard already....stated we are not allowed to have more than 1 card. Unless they sent you a preapproved mailer...their words, not mine...not sure how the mailer is different from a second card approved for online, but who knows....
Message 5 of 18
Senior Contributor

Re: HSBC Prequalify



goodgirl-badcredit wrote:
Do you know who they pull?




EX religiously.
Here we go again...
Message 6 of 18
Frequent Contributor

Re: HSBC Prequalify

Everytime i go to the website to check my application status is says

Your application has been approved. We are in the process of validating your funds.
Your card will be sent within 10-14 days
.

But when I call it states that my application is still being processed.I just want to know my credit limit.

Starting Score: 3/21 EQ 636 TU 669
Current Score: 12/30 EQ 740 TU 712 EX ??? ....
Goal Score: Yay... I reached my goal of 700!!!


Take the FICO Fitness Challenge

Message 7 of 18
Senior Contributor

Re: HSBC Prequalify



goodgirl-badcredit wrote:

Everytime i go to the website to check my application status is says

Your application has been approved. We are in the process of validating your funds.
Your card will be sent within 10-14 days
.

But when I call it states that my application is still being processed.I just want to know my credit limit.





Validating your funds? Happen to have any idea what that might mean?
Here we go again...
Message 8 of 18
Frequent Contributor

Re: HSBC Prequalify

Yes I know what that means. Smiley Wink But I just want to know the Limit. I have called some of the HSBC numbers. And no one can tell me anything. Maybe I should just wait a day or two.

Starting Score: 3/21 EQ 636 TU 669
Current Score: 12/30 EQ 740 TU 712 EX ??? ....
Goal Score: Yay... I reached my goal of 700!!!


Take the FICO Fitness Challenge

Message 9 of 18
Senior Contributor

Re: HSBC Prequalify

Is it for a secured card?
Here we go again...
Message 10 of 18