topic Re: HSBC Cash Rewards MC -- $5,000!!! in Credit Card Approvals

HSBC Cash Rewards MC -- $5,000!!!

credit_is_crack — Sun, 15 Sep 2019 16:23:19 GMT

Hi All,

I've been eyeballing the HSBC Cash Rewards MC for its 3% (up to $10k) offer and after reading a few posts of approvals I decided to take a stab at it.

SL: $5,000

APR: 18.99%

Accounts < 6mo: 4

Accounts < 12mo: 9 (been a nice busy year!)

App: Instant Online Approval

Pull: EQ, not sure if F8 (768) or F9 (790)

They're are definitely not account/inquiry sensitive, but looks like you'll pay for it in the APR. I'm also going to wait until the card arrives and hit them up for a CLI I've seen some posts about a few extra SP bucks being tossed your way and I'm not getting left behind!

Re: HSBC Cash Rewards MC -- $5,000!!!

CreditCuriosity — Sun, 15 Sep 2019 05:19:33 GMT

Congrats @credit_is_crack on your instant approval with HSBC. Far and few between with them. SL are all over the place with them as well and a fairly conservative lender initially, but that card should grow nicely with time.

Would be a HP on EQ I believe and they soft pull Exp. Wonder why some people go through a nightmare verification process 10-30 days and some get instant approvals. Rarely anyone gets turned down it is just have much pain a person must go through to obtain this card. In which case yours was no pain at all

Re: HSBC Cash Rewards MC -- $5,000!!!

credit_is_crack — Sun, 15 Sep 2019 05:34:58 GMT

Thanks @CreditCuriosity! I have an online checking account with them so when I applied it prompted me to log in and imported all my info. It just pretty much asked me to verify my info and it went right thru.

I'm pretty sure if I didn't have the account they'd be asking me what I ate for my first solid food and the brand of spoon used to feed it to me I'm sure I can get it up there over time, but it's pretty much replacing my Limitless until I hit that $10k mark, which won't take long at all, but it's still a free $300

Re: HSBC Cash Rewards MC -- $5,000!!!

CreditCuriosity — Sun, 15 Sep 2019 05:41:41 GMT

ah checking account explains the ease of verification most likely for you .

Re: HSBC Cash Rewards MC -- $5,000!!!

credit_endurance — Sun, 15 Sep 2019 11:40:24 GMT

@credit_is_crack nice instant approval with hsbc! I knew you would nail this one eventually😁 That’s actually a nice SL considering they are known to hand out $1-2k most often than not. But we have seen a few instant approvals recently so that’s what made me app.

As for SP cli, they definitely can be had I believe @M_Smart07 could chime in more detailed about it and just had a nice increase awhile back. I think there has to be certain “verbiage” on the site to know if it can be had.
Again big congrats on pulling in this prize! 😎

Re: HSBC Cash Rewards MC -- $5,000!!!

M_Smart007 — Sun, 15 Sep 2019 12:14:42 GMT

@credit_is_crack wrote:
Thanks @CreditCuriosity! I have an online checking account with them so when I applied it prompted me to log in and imported all my info. It just pretty much asked me to verify my info and it went right thru.

I'm pretty sure if I didn't have the account they'd be asking me what I ate for my first solid food and the brand of spoon used to feed it to me I'm sure I can get it up there over time, but it's pretty much replacing my Limitless until I hit that $10k mark, which won't take long at all, but it's still a free $300

@credit_is_crack .. Congrats, I am quite surprised as to only $5K, especially since you are a banking customer.

I had the hard pull verbiage for a long time. you can get a HP increase I think at 6 or 9 months (I can't remember)

expect $2k CLI for a HP. They must have looked at your other limits and said will be SD after the SUB intro

UW must have the attitude "Too Much Credit" HA! .. have no idea what they are smoking .. must be good stuff

They pull EQ in CA for new app's. may be EX where you live?.

"all in all, you're just another brick in the wall"

Re: HSBC Cash Rewards MC -- $5,000!!!

JoeLuvsHisCredit — Sun, 15 Sep 2019 13:26:34 GMT

Re: HSBC Cash Rewards MC -- $5,000!!!

credit_is_crack — Sun, 15 Sep 2019 14:08:34 GMT

@credit_endurance wrote:
@credit_is_crack nice instant approval with hsbc! I knew you would nail this one eventually😁 That’s actually a nice SL considering they are known to hand out $1-2k most often than not. But we have seen a few instant approvals recently so that’s what made me app.

As for SP cli, they definitely can be had I believe @M_Smart07 could chime in more detailed about it and just had a nice increase awhile back. I think there has to be certain “verbiage” on the site to know if it can be had.
Again big congrats on pulling in this prize! 😎

Thanks Bruised! I was pleased that it took all of 5 seconds to approve and they didn't hammer me with the APR lol I think I'm at a point where I dont necessarily need big SL from anyone, I'm just glad to add them to the lineup, but make no mistake I'll be mashing that luv button the minute it appears

Re: HSBC Cash Rewards MC -- $5,000!!!

credit_is_crack — Sun, 15 Sep 2019 14:14:35 GMT

@M_Smart007 wrote:
@credit_is_crack wrote:
Thanks @CreditCuriosity! I have an online checking account with them so when I applied it prompted me to log in and imported all my info. It just pretty much asked me to verify my info and it went right thru.

I'm pretty sure if I didn't have the account they'd be asking me what I ate for my first solid food and the brand of spoon used to feed it to me I'm sure I can get it up there over time, but it's pretty much replacing my Limitless until I hit that $10k mark, which won't take long at all, but it's still a free $300
@credit_is_crack .. Congrats, I am quite surprised as to only $5K, especially since you are a banking customer.
I had the hard pull verbiage for a long time. you can get a HP increase I think at 6 or 9 months (I can't remember)
expect $2k CLI for a HP. They must have looked at your other limits and said will be SD after the SUB intro
UW must have the attitude "Too Much Credit" HA! .. have no idea what they are smoking .. must be good stuff
They pull EQ in CA for new app's. may be EX where you live?.
"all in all, you're just another brick in the wall"

Thanks @M-Smart007! You know I don't know much about HSBC and wasn't exactly sure what to expect from them, but I'll take it! As far as being a banking customers, it's had $15 and that's it there's just enough to say "he's a customer, maybe toss him a bone" I was thinking the same about EX - I ALWAYS get an instant alert for TU and EQ pulls, but when I don't it's 99% of the time an EX pull. I'll update my post once I get confirmation

Re: HSBC Cash Rewards MC -- $5,000!!!

AverageJoesCredit — Sun, 15 Sep 2019 14:43:25 GMT

Lol i was like deja vu when i saw 5k Big grats mon ami

I actually really like the look of these cards. Getting instant approvsl had to feel great Enjoy CIC Music Factory

Re: HSBC Cash Rewards MC -- $5,000!!!

credit_is_crack — Sun, 15 Sep 2019 15:13:51 GMT

@AverageJoesCredit wrote:
Lol i was like deja vu when i saw 5k Big grats mon ami

I actually really like the look of these cards. Getting instant approvsl had to feel great Enjoy CIC Music Factory

**Doing the happy crack dance**

Re: HSBC Cash Rewards MC -- $5,000!!!

Mahraja — Sun, 15 Sep 2019 15:41:36 GMT

Grats

Re: HSBC Cash Rewards MC -- $5,000!!!

credit_is_crack — Sun, 15 Sep 2019 15:45:56 GMT

Thanks @Mahraja! After my Langley failure from security you advised the better way is to do it over the phone or lock in a banking product first. That’s exactly what I did with HSBC and it worked like a charm! They didn’t grill me at all for the checking and it walked me right to the Approval Express line for the card. Woot-Woot!

Re: HSBC Cash Rewards MC -- $5,000!!!

credit_is_crack — Sun, 15 Sep 2019 16:25:23 GMT

@CreditCuriosity wrote:
Congrats @credit_is_crack on your instant approval with HSBC. Far and few between with them. SL are all over the place with them as well and a fairly conservative lender initially, but that card should grow nicely with time.

Would be a HP on EQ I believe and they soft pull Exp. Wonder why some people go through a nightmare verification process 10-30 days and some get instant approvals. Rarely anyone gets turned down it is just have much pain a person must go through to obtain this card. In which case yours was no pain at all

HP alert just came thru. It was on EQ. What's odd is I didn't receive any alerts from CK, but rather I got it from MyFICO which is usually a day behind on alerts. Must be something funky going on at CK

Re: HSBC Cash Rewards MC -- $5,000!!!

Anonymous — Sun, 15 Sep 2019 17:19:46 GMT

Congrats @credit_is_crack!

I think I will put this one on my radar as a challenge app if they are still doing the 3% next year.

Re: HSBC Cash Rewards MC -- $5,000!!!

AverageJoesCredit — Sun, 15 Sep 2019 18:56:44 GMT

Do it now! @Anonymous, spree must continue! #APPLYCOMENITY 2019

Re: HSBC Cash Rewards MC -- $5,000!!!

M_Smart007 — Sun, 15 Sep 2019 19:07:33 GMT

@AverageJoesCredit wrote:
Do it now! @Anonymous, spree must continue! #APPLYCOMENITY 2019

@AverageJoesCredit, You are such a Naughty Boy!

#APPLYCOMENITY 2019

Re: HSBC Cash Rewards MC -- $5,000!!!

Anonymous — Sun, 15 Sep 2019 20:22:33 GMT

@AverageJoesCredit wrote:
Do it now! @Anonymous, spree must continue! #APPLYCOMENITY 2019

PenFed called and asked me when they can expect the next application from you @AverageJoesCredit!

Re: HSBC Cash Rewards MC -- $5,000!!!

Anonymous — Sun, 15 Sep 2019 20:25:17 GMT

Congrats on the approval and SL!

Re: HSBC Cash Rewards MC -- $5,000!!!

Anonymous — Mon, 16 Sep 2019 01:46:15 GMT

Congrats on your new HSBC Cash Rewards card!