06-01-2008 10:51 PM
06-01-2008 11:01 PM
I am planning on applying for a credit card that I would be using for my wedding.. I got a pre-approval for the discover more card but got pre approved for the HSBC mastercard with cashback as well.. Which one do you think could give me a higher limit 10-15k? the most CL I have currently on 1 single card is $14k.. I read a couple of times that hsbc doesn't allow you to have more than one account with them, I already have their orchard with $2500 CL with good history and $0 bal. thanks alot..
06-01-2008 11:10 PM
06-02-2008 09:33 PM
06-02-2008 10:46 PM
The pre-approval from their website means nothing. You will most likely get denied because you already have a card. Discover More is nice to have but they are not famous for giving large CLs. Then again there have been exceptions so YMMV. Assuming your scores are good and report is clean, and you want a quick approval with a high CL, it may be in your best interests to consider Amex or Citi. BoA is another one that is usually good at matching your existing CL. Last, but certainly not least, don't forget about credit unions.
These responses are not provided or commissioned by FICO. Responses have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.