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These HSBC cards upset me to no end because I have had them for about 1 year each and never ever paid late and kept a small balance with them. I backdoored to get CLI since I feel after 1 year I deserve it and they denied me. They gave me a $20 increase per card about 6 months back and I take that as just an insult. These are all my cards, Tell me if you think closing these guys and not having to continue paying that dang $79 AF per card will hurt me or not.I know closing cards are never a good idea but I don't want to give them my business anymore if it doesn't hurt me...
All cards were gathered in april-may 2008
Macys
Toys R US
Zales
Crown Jewelers
Kay
Best Buy Master card
Orchard
Home Depot
Thanks,
@bott6698 wrote:These HSBC cards upset me to no end because I have had them for about 1 year each and never ever paid late and kept a small balance with them. I backdoored to get CLI since I feel after 1 year I deserve it and they denied me. They gave me a $20 increase per card about 6 months back and I take that as just an insult. These are all my cards, Tell me if you think closing these guys and not having to continue paying that dang $79 AF per card will hurt me or not.I know closing cards are never a good idea but I don't want to give them my business anymore if it doesn't hurt me...
All cards were gathered in april-may 2008
Macys
Toys R USZales
Crown Jewelers
Kay
Best Buy Master card
Orchard
Home Depot
Thanks,
I would not hold an HSBC/HOUSEHOLD/ORCHARD card etc. as they are extremly stingy when it comes to CLI's and customer service is poor. It's all over the net and in here.They are the poster child of a BAD BANK to aviod at all cost. So no get rid of them now....... You won't regret it
Credit Freeze my current scores are 589 TU 589 EX 637 EQ. I am currently trying to boost my score to refi my house
so not looking to ap for any more cards till after that is accomplished plus at these scores the only chance I would have is by EQ and I don't know many places that would give me a decent CC with just a 637 EQ score. Do you know of any besises CU's? My local credit union won't give me one because my EQ bni score is too high, So I need someone that also doesn't use that BNI score and maybe just an automatic system that only pulls EQ score only. If you have any ideas let me know thanks.
So you guys don't feel closing these guys off will hurt my score then?
@Anonymous wrote:
i just decided to close my orchard bank cc today after almost a year. They tried to convince me to stay with the half off annual fee but i declined and just canceled it. It has done its job for the rebuilding process. Losing a 300cl wont hurt me much
You did the right thing....Congrats
@Anonymous wrote:
I would have to honestly say it felt REAL GOOD cutting that card up. Moving on up!
That's right keep moving on up.....Orchard or any HSBCsub prime card isn't worth carrying.It has served it's purpose. Try Preapproval at B of A see if they have something for you. Never know