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New Contributor
ccats704
Posts: 105
Registered: ‎05-15-2008
0

Very UPSET WITH HSBC/ORCHARD BANK!

Today I went online to check my app. status for HSBC card and to my suprise I was declined (what in the world is going on) So I write down the number to call, I then return to the app. status home page and click on the orchard master card  app. status and I was approved! (Now I am really confused). I call the first # and
 
ME:I was calling to find out why was I declined for the HSBC card (I really wanted this card)
CSR: Can I get your SSN.
ME: XXX-XX-XXXX
CSR:Give me just a second to pull up your info!
ME: OK
CSR: May I put you on hold
ME: Sure
(elevator music)
CSR: mam I am on hold can you continue to hold
ME: Sure
(more elevator music)
CSR: mam I am still on hold can you continue to hold
ME: Sure
(Even more elevator music)
CSR: Mam I appologize for the long wait, Jenny are you there?
CSR 2: Hi this is jenny from vexx.
CSR: MS CaHarting
ME: Its Carrington
CSR: I am sorry mam, thank you for calling HSBC Card servises have a nice day.
ME:Thank you & you have a nice day too!
CSR2: Hello Ms Carrington
ME: Hello. I was calling to find out why I was declined
CSR2: Can you verify your SSN?
ME:xxx-xx-xxxx
CSR2: Mam you were declined because you were approved for the Orchard MC.
ME:smileysad:what in the hell) Can you repeat that?
CSR2: Mam you were declined because you were approved for the Orchard MC. Mam they are basiclly the same card so you can reapply in 90days to get the HSBC card!
ME: (A lil upset and confused) Well isnt it my choice if I want to have 2 simular cards in my wallet? CSR2: well yes it is!
ME:I have never had to beg a CCC to take my money what kind of operation are you guys running there?
CSR: (She laughs)
ME: (did she really think I was joking?) (So a little more pissed not yet at a frustrated level) Well since you all didnt go solely off of my CR can you remove the inquiry? 
CSR2: Well I am not a credit specialist so I cannot guaranty you that I can!
ME:Its not fair for my score to drop because of a inquiry that you all dont even take into consideration! CSR2:I understand, why dont you apply for the visa
ME: Can you all use the inquiry that you have already pulled?
CSR2: I am unsure mam, but you can call this number and the can further asist you with with all of your questions.
ME: They can answer the questions about the inquiry?
CSR2: Yes mam. The number is 877-700-4722 
ME: Oh I got another question for you.
CSR2:  OK
ME: If I do apply for the visa do I have to apply online or can I apply over the phone?
CSR2: Oh you can apply over the phone. You should be approved, just call that number that I gave you and they will do your applcation over the phone.
ME: O, Thank you!
CSR2: You are welcome mam, is there anything else I can help you with?
ME:No thank you
CSR2:And THank you for your interest in our card, you have a nice day
ME:You too.
 
That phone call was over an hour and that was only the first call out of 4! I will spare you all the details! Long story short after calling all 3 other numbers, I found out that the 2nd CSR should not have told me that I should be approved  (They take that as her stating pre approval!, The 3rd CSR did not know what a soft/Hard pull was, The Supervisor was even less help than the CSR! There is nothing that they are willing to do to help me, and last but mot least HSBC have a lottttttttttttttttt of phone numbers!
 
Do anyone know if there is something that can be done about the inquiry?
I'm better than blessed!
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Very UPSET WITH HSBC/ORCHARD BANK!

HSBC will not allow more than 1 Credit card with them unless you are invited to apply for a 2nd card-
 
 
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Very UPSET WITH HSBC/ORCHARD BANK!



Timothy wrote:
HSBC will not allow more than 1 Credit card with them unless you are invited to apply for a 2nd card-







I concur. And they won't check if before harding your CR either.
Here we go again...
New Contributor
ccats704
Posts: 105
Registered: ‎05-15-2008
0

Re: Very UPSET WITH HSBC/ORCHARD BANK!

That sucks! Now that you said that why would she tell me to apply for a visa, if they dont allow you to have more than one card?
I'm better than blessed!
Super Contributor
concorduser
Posts: 6,026
Registered: ‎09-18-2007
0

Re: Very UPSET WITH HSBC/ORCHARD BANK!

HSBC/Orchard is not that great. One is enough grief. Why do you want two cards from them?
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Very UPSET WITH HSBC/ORCHARD BANK!

Because she does not know any better !!!!!!!!!!!

ccats704 wrote:
That sucks! Now that you said that why would she tell me to apply for a visa, if they dont allow you to have more than one card?



New Contributor
ccats704
Posts: 105
Registered: ‎05-15-2008
0

Re: Very UPSET WITH HSBC/ORCHARD BANK!

I WAS JUST TALKING TO MY AUNT!  SHE TOLD ME THAT SHE HAS A VISA AND MASTER CARD FROM HSBC! I ASKED HER WHEN DID SHE GET THEM SHE SAID WITHING 2-3 DAYS OF EACH OF EACH OTHER!
I'm better than blessed!
Established Contributor
so_confused
Posts: 630
Registered: ‎06-20-2007
0

Re: Very UPSET WITH HSBC/ORCHARD BANK!

Did you happen to ask her; if they were invitaions by mail or if she opened the applications?
9/18/08 TU=707 EQ=706 EX=702
Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Very UPSET WITH HSBC/ORCHARD BANK!

As mentioned, you can't have an Orchard product AND have an HSBC product. You could have had both if you appd for HSBC first, maybe.
 
Also as mentioned, anything from HSBC is less than gold. They charge fees and charge an AF.
New Contributor
ccats704
Posts: 105
Registered: ‎05-15-2008
0

Re: Very UPSET WITH HSBC/ORCHARD BANK!



so_confused wrote:
Did you happen to ask her; if they were invitaions by mail or if she opened the applications?


Yes I did ask and she said that she applied for the visa and the mc! She got both!
I'm better than blessed!

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