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So with Crap One taking over my HSBC account....

New Member

So with Crap One taking over my HSBC account....

I'm probably going to be denied the CLI I requested last week, aren't I. 

 

I'm really tempted to close the small limit card but it's an old one so I hesitate.....

 

Anyone else gotten a HSBC CLI since the crapone annoucement?

Message 1 of 7
6 REPLIES
Valued Contributor

Re: So with Crap One taking over my HSBC account....


shyeviolett wrote:

I'm probably going to be denied the CLI I requested last week, aren't I. 

 

I'm really tempted to close the small limit card but it's an old one so I hesitate.....

 

Anyone else gotten a HSBC CLI since the crapone annoucement?



Cap1/HSBC don't like to play, apparently.  I had a HSBC Platinum card/toy card limit of $1550,  AF was coming due back in Sept/'12.  So I called them up, asked them to either waive the AF or give me a CLI to at least $5K, since most of my other cards were at or above that figure at the time.  They would neither waive the AF nor give me ANY CLI, so I said "fine, close the card then, I have no use for it". 

 

It will remain on your report as a TL, closed by consumer, if you choose to go that route. If it's a toy limit similar to what I had, closing it won't impact your util very much, in the next month after closing, I got other CLI and negated the loss of $1550 in my available credit. 

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 2 of 7
Established Contributor

Re: So with Crap One taking over my HSBC account....

If you've been reading these forums for ANY amount of time, you will know that no one has any success with front line CSRs for capital one or hsbc. you need to email the executive office of capital one regarding your requested changes. they will get back to you and work with you to get you something acceptable if your CR's and account with them are in good standing. No need to clsoe an account with them if you can get them to at least wave the AF and or raise your CL.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 3 of 7
New Member

Re: So with Crap One taking over my HSBC account....

Yea, I didn't call or email, I just saw the luv button and hit it. I'm not holding my breath.....

 

It's only a $700 limit so I will likely just close it if denied. 

Message 4 of 7
Frequent Contributor

Re: So with Crap One taking over my HSBC account....

The exec office removed my AF for my $300 hsbc card and won't raise the limit, but they also removed my AF on my cap one card and raised it $1200

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 5 of 7
Contributor

Re: So with Crap One taking over my HSBC account....

Actually I got an increase of $200 from my HSBC after they changed...i'm not trying to push it though because as soon as i am done with my house buying i am closing both of them.  I have tried several times with the original Cap1 and they havent budged. 

My Wallet: AMEX Gold NPSL, AMEX BCE 1K, Express 1350, Victoria Secret 2250, Macy's 2000, Kay's 7600, Capital One 1400, Capital One 4000, Quicksilver One 3500; Quicksilver 3000; QVC 3500, Walmart 6000, Pier 1 1250, Kohl's 1500, JCrew 1550, JCPenny 3600, Discover 1500, Lowes 12000, Amazon 2400

Lender Pull: 2/16/13 TU: 672 EX: 681 EQ: 671
Current Scores: 2/6/15: TU 696 EX: 679 EQ: 658
Goal Score: 700
Message 6 of 7
Highlighted
Senior Contributor

Re: So with Crap One taking over my HSBC account....

Yes, but it was small. $200.

Message 7 of 7