topic Re: How do you get CLI with HSBC? in Credit Cards

How do you get CLI with HSBC?

gdtobefree — Wed, 23 Jul 2008 15:26:52 GMT

I have been with them for 2 years, ALWAYS PIF once or even twice a month and I cannot get a CLI to save my life.

Anyone have any tricks?

Re: How do you get CLI with HSBC?

Anonymous — Wed, 23 Jul 2008 15:32:00 GMT

From what I understand, if you have a hardline to the pope you have a good shot!

Re: How do you get CLI with HSBC?

gdtobefree — Wed, 23 Jul 2008 15:33:51 GMT

You are probably right, LOL

Re: How do you get CLI with HSBC?

Anonymous — Wed, 23 Jul 2008 15:34:17 GMT

You could try hitting the CLI request button on their webpage. I have 2 CC's with HSBC. One is a BB card I've had since Jan 07, and the other is a Platinum Mastercard since Aug 07.

The BB card started at 2200 CL and last week I hit the CLI request button on their webpage and got a CLI to 4400.

The Platinum Mastercard is and started out at 1000. I like my BB card more, so would want CLIs on that card, but if I confirm that the request on BB wasn't hard I may ask for one on the MC in a few months.

On both cards I have carried balances at 0% for months. And only once made a charge on the MC that PIF. But I've never paid interest on either card, ever.

But that's the only suggestion I've got.

Re: How do you get CLI with HSBC?

Anonymous — Wed, 23 Jul 2008 15:35:07 GMT

HSBC LOVES to see lots of usage, as in maxing the card out and PIF at all times. From what I've read, that seemed to be the key element with people who got one.

What reason do they give when they decline you?

Re: How do you get CLI with HSBC?

Anonymous — Wed, 23 Jul 2008 15:40:56 GMT

What kind of card do have with them.

Re: How do you get CLI with HSBC?

gdtobefree — Wed, 23 Jul 2008 15:44:53 GMT

OHHHHHHHH it gets a LOT of useage from me I use it and pay it off twice a month.

the only reason they gave me was I wasn't eligible YET.

Re: How do you get CLI with HSBC?

Anonymous — Wed, 23 Jul 2008 15:45:24 GMT

I have 2 hsbc cards--Direct Rewards and the Cash or Fly MC

The DR is still stuck at the 1400 dollar limit.

The Cash or Fly is up to 2350 dollars right now. I got the card last summer and have had 2 cli's. The card started out with a 750 dollar limit. It seems that they will give CLI's every 6 months with usage and heavy payments. And I mean heavy. I made 1,200 dollar payment a couple of weeks ago and I know they liked to see that. I probably wont get another CLI from them until near the end of the year.

Re: How do you get CLI with HSBC?

Anonymous — Wed, 23 Jul 2008 16:45:55 GMT

@Anonymous wrote:
You could try hitting the CLI request button on their webpage. I have 2 CC's with HSBC. One is a BB card I've had since Jan 07, and the other is a Platinum Mastercard since Aug 07.

The BB card started at 2200 CL and last week I hit the CLI request button on their webpage and got a CLI to 4400.

The Platinum Mastercard is and started out at 1000. I like my BB card more, so would want CLIs on that card, but if I confirm that the request on BB wasn't hard I may ask for one on the MC in a few months.

On both cards I have carried balances at 0% for months. And only once made a charge on the MC that PIF. But I've never paid interest on either card, ever.

But that's the only suggestion I've got.

I was pretty sure HSBC was a hard pull. Can someone confirm this?

Re: How do you get CLI with HSBC?

Anonymous — Wed, 23 Jul 2008 18:59:20 GMT

I have found that some rebuilder cards are in a program where they don't get credit limit increases. Capital One has me in that type of program for the first card they gave me. I've applied and received a second card for them that is eligible for the credit limit increases.

Re: How do you get CLI with HSBC?

Anonymous — Wed, 23 Jul 2008 19:22:34 GMT

I've been with them almost 5 years and have gotten two clis. One for 500 and a hard pull. Had to beg for that one. They wanted to know what it was for. Then last month got one for 400. No pull. They are tough but I don't use them much any more. $900 in 5 years is not good. Even Cap One has given me 4500 in about the same time frame and no hard pulls. Their interest rates are ridiculous. I'll be closing them soon.

I do believe you might have to give HSBC your first born.

Message Edited by casinoannie97 on 07-23-2008 12:22 PM

Re: How do you get CLI with HSBC?

Anonymous — Wed, 23 Jul 2008 19:37:03 GMT

If you call the back door number for Capital one and tell them you want a lower APR they'll probably lower it. I did that just this past Saturday and they gave me no problems at all.

Oh and on HSBC I called and asked to close my account to get my CLI. No inquiry, but it was only for $200. I had a card with a higher line, but i never used it so they closed it on me. I had to reapply and start all over with a $750 credit line, but have only had the card for two months and it's now at $950. It's always worth a try!! Just make sure you don't play too hard ball or you may end up with a closed account!! LOL

Message Edited by ssims on 07-23-2008 12:37 PM

Re: How do you get CLI with HSBC?

Anonymous — Thu, 24 Jul 2008 02:23:45 GMT

@Anonymous wrote:

@Anonymous wrote:
You could try hitting the CLI request button on their webpage. I have 2 CC's with HSBC. One is a BB card I've had since Jan 07, and the other is a Platinum Mastercard since Aug 07.

The BB card started at 2200 CL and last week I hit the CLI request button on their webpage and got a CLI to 4400.

The Platinum Mastercard is and started out at 1000. I like my BB card more, so would want CLIs on that card, but if I confirm that the request on BB wasn't hard I may ask for one on the MC in a few months.

On both cards I have carried balances at 0% for months. And only once made a charge on the MC that PIF. But I've never paid interest on either card, ever.

But that's the only suggestion I've got.

I was pretty sure HSBC was a hard pull. Can someone confirm this?

On the following thread a Poster states she got a CLI for the BB card, like I did, three months earlier and had no hard pulls on her reports:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=99224

Message Edited by woopah on 07-23-2008 07:23 PM

Re: How do you get CLI with HSBC?

dieselcafe — Wed, 23 Jul 2008 22:36:34 GMT

You call their backdoors # and talk to rep in a nice way; they will give you a CLI. I have a HSBC card for 6 months, I called them twice for CLI and increased my CLI by $100 each time.

Re: How do you get CLI with HSBC?

TangMeister — Thu, 24 Jul 2008 01:04:18 GMT

The last CLI I applied for was online, courtesy of the magic button, and it was a soft pull. YMMV.

@Anonymous wrote:

@Anonymous wrote:
You could try hitting the CLI request button on their webpage. I have 2 CC's with HSBC. One is a BB card I've had since Jan 07, and the other is a Platinum Mastercard since Aug 07.

The BB card started at 2200 CL and last week I hit the CLI request button on their webpage and got a CLI to 4400.

The Platinum Mastercard is and started out at 1000. I like my BB card more, so would want CLIs on that card, but if I confirm that the request on BB wasn't hard I may ask for one on the MC in a few months.

On both cards I have carried balances at 0% for months. And only once made a charge on the MC that PIF. But I've never paid interest on either card, ever.

But that's the only suggestion I've got.

I was pretty sure HSBC was a hard pull. Can someone confirm this?