looking for EX pulling CCC

[Anonymous]

I would pay them down because that would give u a chance of getting a higher limit...if in a hurry try HSBC preappoval site....their are link on here somewhere or just google HSBC...I would say that you would get around the same as your limits that you have...and if not lower if the utilization is high...

[Anonymous]

would that be a soft pull?

[Anonymous]

yep...

[FretlessMayhem]

Yeah, it's a soft pull.

I would expect a CL from $300-$500.

[Anonymous]

that's what I was thinking....they pull and look at those things and really don't give you too much more than what you have...unless your scores show that you need the bump...in my opinion like others have stated I would hold out and get it to around 10-15% or less 25% at the most and apply and wait for it to report....u will see a increase in your score and you will definitely get a better limit and APR...

[Anonymous]

it says im pre qualified for HSBC Platinum MasterCard but it doesnt say what my limit is. i have the option to click "Apply For This Card" if i did would that count as an inquiry?

[FretlessMayhem]

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@ruggiero06 wrote:
it says im pre qualified for HSBC Platinum MasterCard but it doesnt say what my limit is. i have the option to click "Apply For This Card" if i did would that count as an inquiry?

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Yes. When you actually apply you give consent to a hard pull.

[Anonymous]

hmmmm. then i wont...looks like ill just pay my cards down. yay :/

[Anonymous]

Smart move -

I asked what your ULT was as with a clean payment history- your score seemed o be depressed .

Use the Fico simulator- 

10 to 20 points per 10% of UTL-

13 X 7= 91 points!!!!!!!

With scores over 700 you can go prime instead of that HSBC junk.

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ruggiero06 wrote:
hmmmm. then i wont...looks like ill just pay my cards down. yay :/

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[clgray]

When you pull you pay down your cards, try Patelco. Read some of the other threads here about them. They will grow with you.