topic Re: orchard bank/HSBC in Credit Cards

orchard bank/HSBC

first48 — Mon, 01 Sep 2008 17:35:18 GMT

I think I may have gotten an inquiry for nothing. I applied for an orchard bank card and was approved a week ago instantly but have not received an information. I just went to the HSBC website and put in my information for a pre approval and was pre approved for a HSBC rebuilder card. I went ahead and submitted my application and was asked what kind of design I wanted for my card. I was told I would receive an email with the customer service information and a link to check the status of my application. However, I was reading somewhere on the forum where it says you can't have more than one HSBC at a time. I was just wondering if anyone has been able to pull this off.

Re: orchard bank/HSBC

Anonymous — Mon, 01 Sep 2008 17:38:38 GMT

I don't think you will get to cards right off the back. But hey these banks can be very funny so who really knows.

Re: orchard bank/HSBC

Anonymous — Mon, 01 Sep 2008 18:02:20 GMT

quick question first48 -

what kind of designs did they offer for you? was it for the secured card?

Re: orchard bank/HSBC

first48 — Mon, 01 Sep 2008 18:12:13 GMT

Candice, it was not for the secured card. I had 2 choices 1 was a cityscape and the other was a canoe design.

Re: orchard bank/HSBC

Anonymous — Wed, 03 Sep 2008 00:56:28 GMT

There are people here with multiple HSBC cards. I just tossed my Orchard card but still have a Best Buy. They are both HSBC.

Re: orchard bank/HSBC

smallfry — Wed, 03 Sep 2008 01:00:40 GMT

Last year you could be approved for an Orchard and an HSBC the same day. I know. I was. An Experian pull for a $400 Orchard card and a TU pull for a 5K HSBC. The same day. Believe me at the time I didn't think the second app was for the toy rebuilder card. LOL. What a surprise. Congratulations. You've been approved for $400. Closed that bad boy but quick.

Re: orchard bank/HSBC

Anonymous — Wed, 03 Sep 2008 02:42:09 GMT

just to comment on how many hsbc cards one may have at anytime. i had 3

orchard which is hsbc.

Hsbc M/C.

Best Buy M/C which is hsbc.

Re: orchard bank/HSBC

Anonymous — Wed, 03 Sep 2008 03:00:29 GMT

To try and help clarify-

The Store card (BB) does not count-

If you had more than 2 in the past they won't take one away

If you have an HSBC (HSBC, Orchard, Houshold bank) you must be invited to apply for a second card.

Re: orchard bank/HSBC

first48 — Fri, 05 Sep 2008 18:43:09 GMT

When I checked the status of my HSBC credit application it stated 10 to 14 days because they weren't finished with my application. Orchard still said I was going to receive my card in 10-14 days. I called Orchard yesterday to find out the status of the card and to see what kind of limit I had and I was told 300.00 with a 19 dollar processing fee and that they were validating my funds. I called HSBC today to check the status of that application and was told I was approved and that my Orchard card had been declined because they approved this one and that I would be getting refund on my 19 dollar processing fee that they have already taken out of my account. What is up with this.

Re: orchard bank/HSBC

Roxlie — Fri, 05 Sep 2008 18:50:36 GMT

I applied for Orchard and Household. Got them both.

Then I received an invitation to apply for an HSBC card. Got that one.

Then I applied for and received a Best Buy Visa.

I just recently closed the Household because I never got a CLI from them after almost 3 years.

Re: orchard bank/HSBC

Anonymous — Sat, 06 Sep 2008 02:09:26 GMT

You were probably declined for the Orchard b/c you applied for the rebuilder HSBC. Well I can tell you that I have a Household Bank card, they're also with HSBC, it took forever to get my card. I think I applied on 9/13/08 and received it this week I think on Tues (9/3/08). They never sent that "customer service e-mail" to confirm anything.

Re: orchard bank/HSBC

first48 — Sat, 06 Sep 2008 03:24:05 GMT

I can believe that. They took the 19.00 processing fee out of my account for the Orchard Card. I wonder how long it is going to take for the processing fee to be refunded. They shouldn't take the money out if they are not going to approve you.