MsRN2000 wrote:Hey,Sorry to be such a pest. But, in the following link it says that HSBC does system inq only. Does that mean that requesting another card through them would not show up as a hard inquiry?
MsRN2000 wrote:...So, I can do that? Just call and request another card with HSBC and let them know of the old card and ask if I could keep the origin date of the 1st card - Is it possible that they'd do a soft pull on my report? (I have 3 inq already for the last 12 mo). I didn't know that a bank would do a hard inq when opening a savings accout.If so, I'll definitely try. I'd like to get away from the annual fee (and the high APR) but, I make every effort to pay the card out each month.Thank you
MsRN2000 wrote:I have an HSBC CC with an annual fee that I've had for 11 months....today I phoned and asked if I could have the interest rate decreased and / or the annual fee terminated. HSBC told me no and that it could not be done....My FICO Scores now range from 670 - 735
MsRN2000 wrote:Should I apply online first and after being approved ask for a conversion?And, (??) this still results in a hard pull right