My scores are looking pretty good right now, so I decided that I'd like to have a couple of prime cards with better interest rates. I applied for AMEX and Discover More. Disc. said no, but offered the HSBC Plat. Rewards Disc. The interest is really bad (19.95%) and the cl is really low ($900). Would it be better for my score if I never open the HSBC Disc. and take the inq. ding or to open it and just use every once and a while? ( I really don't want the card and have no use for it, but if it will raise my score I'll keep it.)
With your scores- I would decline the HSBC card-That is pretty insulting-Wait a few months and re-apply for the Discover.