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Valued Contributor
scottwagnon
Posts: 1,350
Registered: ‎02-07-2010
0

can only apply for a secured hsbc product

i have really good credit, but i am only allowed to apply for their secured card. anyone have this issue?

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Member
ncks
Posts: 41
Registered: ‎10-12-2009
0

Re: can only apply for a secured hsbc product

[ Edited ]

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.

Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: can only apply for a secured hsbc product


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.

IAALBNYL
Frequent Contributor
bostonte
Posts: 263
Registered: ‎10-04-2009
0

Re: can only apply for a secured hsbc product

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.
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: can only apply for a secured hsbc product


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. 

 

 

 

IAALBNYL
Frequent Contributor
bostonte
Posts: 263
Registered: ‎10-04-2009
0

Re: can only apply for a secured hsbc product

How long ago did you try that link? It's well confirmed as dead and only offering secured for some time now. If you get anything other than secured, consider yourself very special.
Frequent Contributor
BrandonSS
Posts: 342
Registered: ‎08-31-2010
0

Re: can only apply for a secured hsbc product

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)

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
Established Contributor
203bravo
Posts: 736
Registered: ‎08-25-2008
0

Re: can only apply for a secured hsbc product

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?

Senior Contributor
john398
Posts: 3,526
Registered: ‎01-19-2009
0

Re: can only apply for a secured hsbc product

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

Valued Contributor
scottwagnon
Posts: 1,350
Registered: ‎02-07-2010
0

Re: can only apply for a secured hsbc product

can some with a 720+ plus score please go on the website and confirm that this is happening to them as well.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859

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