topic Re: HSBC Card in Credit Cards

HSBC Card

Anonymous — Thu, 31 Jul 2008 03:23:38 GMT

I just applied for a HSBC card that I was shown as preapproved for.

I was rejected. Is there a backdoor number for recon? It looks like they only want a written application.

Thanks,

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 03:31:14 GMT

Did they provide a reason for the rejection?

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 03:34:35 GMT

Yeah they did,

NUMBER OF INQUIRIES WITHIN LAST 6 MONTHS
NUMBER OF TRADES
TOO MANY RECENTLY OPENED BANK/NATIONAL REVOLVING ACCOUNTS

In the last six months I opened

Cap1 - Preapproval thing - my first unsecured card
Mervn store card (for 15% discount they give if you use the store card)
Wamu - Preapproval ( i dont know why I applied this)

So those are new accounts and possibly inquires related to that.

My utils are less than 10% and PIF every month.

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 04:02:34 GMT

I just checked my credit scores.

anyone had recon success with HSBC?

TU - 703, EQ 682, EX 697
old ( a month back)
TU - 668, EQ 664, EX 712

Thanks,

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 04:03:57 GMT

Wow, your scores are high. I would recon for sure.

What card were you trying to get?

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 04:07:46 GMT

@Anonymous wrote:
Wow, your scores are high. I would recon for sure.

What card were you trying to get?

Thanks

I was trying to get "HSBC MasterCard with Cash Back Rewards".

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 04:11:55 GMT

I would def recon.

Let us know how it goes!

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 04:14:53 GMT

@Anonymous wrote:
I would def recon.

Let us know how it goes!

Ofcource I will request them to recon, but I do not have the number to call for recon. All they ask is to write a written letter to do that.

I was wondering if there is any backdoor-recon number for HSBC.

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 14:57:20 GMT

Is it worth getting the card? I did some research (darn, I should have done before I applied) that HSBC is not so prime card lender. So i guess they can be very stingy in giving a good CL.

What do you guys think?

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 15:21:31 GMT

Well they started me out (last summer) with 750 dollars on the Cash or Fly MC that I have with them. The card is now up to a limit of 2350 dollars. I had 2 CLI's: One for 600 dollars and the other for 1000 dollars.

Message Edited by landocalrissian on 07-31-2008 08:21 AM

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 15:13:13 GMT

I think you deserve better.

voidman wrote:
Is it worth getting the card? I did some research (darn, I should have done before I applied) that HSBC is not so prime card lender. So i guess they can be very stingy in giving a good CL.

What do you guys think?

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 15:37:37 GMT

@Anonymous wrote:

I think you deserve better.

@Anonymous wrote:
Is it worth getting the card? I did some research (darn, I should have done before I applied) that HSBC is not so prime card lender. So i guess they can be very stingy in giving a good CL.

What do you guys think?

I agree. You can get better cards with those scores.

Re: HSBC Card

Anonymous — Thu, 31 Jul 2008 15:41:46 GMT

Thanks Guys,

Yeah I guess i will let the current accounts & inquires to age a little bit.

TV can wait for some more time.