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i have really good credit, but i am only allowed to apply for their secured card. anyone have this issue?
You have to be a banking customer to get a HSBC credit card. I opened an online savings account. I have the HSBC Platinum Mastercard with HSBC Plus Rewards.
@ncks wrote:You have to be a banking customer to get a HSBC credit card. I opened an online savings account. I have the HSBC Platinum Mastercard with HSBC Plus Rewards.
Not really.
I have two HSBC cards and have never been an HSBC banking customer.
@bostonte wrote:
Yes really. Unless you are a banking customer, their website only offers secured cards at this time. In the past it was different, but generally people looking to apply are interested in the present or future -- not what was an option in the past.
Still untrue.
You stated that "you have to be a banking customer to get a HSBC credit card" and that is false. While it may appear you need to be a banking customer to apply online, you do not have to be a banking customer to apply either at a branch, over the phone or via one of the paper applications you find.
Even online you do not have to be a banking customer:
https://www.hsbcapply.com/start/hsbccreditcard
I just tried it and was pre-approved for their Platinum Cash Rewards.
For fun I just tried it and got only a secured offer. *shrug* but my scores arent superior and my PR still hasnt been deleted by the CRAs (waiting on it since it was vacated)
Notice:
By completing the Pre-qualification Form and clicking on the Continue button, you are giving HSBC Bank Nevada, N.A. written authorization to access your credit profile for Pre-qualification purposes and no other
Do they do a hard INQ during the pre-qual?
I have a HSBC Discxover card and I do not have a HSBC bank account, it was a counter offer from discover but I am not sure how to directly apply
can some with a 720+ plus score please go on the website and confirm that this is happening to them as well.