07-24-2007 08:21 PM
07-24-2007 08:36 PM
07-24-2007 08:43 PM
07-24-2007 08:54 PM
07-24-2007 09:39 PM
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?
07-24-2007 09:41 PM
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
07-24-2007 11:29 PM
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
07-25-2007 12:12 AM
07-25-2007 12:22 AM
MsRN2000 wrote:Should I apply online first and after being approved ask for a conversion?And, (??) this still results in a hard pull right
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.