topic Re: HSBC now has pre-qualify in Credit Cards

HSBC CC prequalification?!

Anonymous — Tue, 05 Nov 2019 15:46:27 GMT

Am I the last to know? I usually am. I checked on the website and sure enough.

Re: HSBC C.C prequalification?!

Anonymous — Tue, 05 Nov 2019 15:20:50 GMT

Website says I’m only allowed to try to prequalify once every 24hours.

Re: HSBC C.C prequalification?!

Rebuild2019 — Tue, 05 Nov 2019 15:21:34 GMT

I didn’t know they had a prequalification site!

Will bookmark for the future! Thanks @SkunkyBeaumont

Re: HSBC C.C prequalification?!

bigpoppa09 — Tue, 05 Nov 2019 15:44:17 GMT

It's cluncky at best it told its for new customers only and to log into online banking to apply for card. I dont have any Banking or Credit products with HSBC.

Re: HSBC C.C prequalification?!

FinStar — Tue, 05 Nov 2019 15:44:57 GMT

This is definitely refreshing for HSBC. So, those who are interested can click on "Get pre-qualified" and see what that yields:

https://www.us.hsbc.com/credit-cards/

*Max number of CC products with HSBC is 2, IIRC.

Re: HSBC C.C prequalification?!

bigpoppa09 — Tue, 05 Nov 2019 15:45:03 GMT

It's cluncky at best it told me its for new customers only and to log into online banking to apply for card. I dont have any Banking or Credit products with HSBC.

Re: HSBC C.C prequalification?!

Anonymous — Tue, 05 Nov 2019 16:01:18 GMT

I don’t know, I had a credit card with them a few years ago. But maybe I’m not on file with them anymore. The prequalify website didn’t seem difficult to me. The only thing I noticed was only being allowed to prequalify once per 24hr day. I did prequalify With no problem though.

Re: HSBC C.C prequalification?!

trant3 — Tue, 05 Nov 2019 16:05:10 GMT

It sure works, I prequalified for all the cards, wont bite though

Re: HSBC C.C prequalification?!

CreditCuriosity — Tue, 05 Nov 2019 16:11:01 GMT

Am I missing something see no "get pre-qualified" on page...

Re: HSBC C.C prequalification?!

Anonymous — Tue, 05 Nov 2019 16:17:21 GMT

There’s a link in this thread. But If you type in HSBC In google search and then click HSBC Bank USA , then “credit card” it’s right there.

Re: HSBC C.C prequalification?!

CreditCuriosity — Tue, 05 Nov 2019 16:34:01 GMT

weird not showing on my browser... could be a firewall issue with our company or a vpn issue as used a few different browsers so far. Will look when I get home. Thanks.

Strange thing trying to log into account and can fine to pay a bill but getting an error.... sigh. Will deal with that when i get home as well

Re: HSBC C.C prequalification?!

GApeachy — Tue, 05 Nov 2019 16:39:59 GMT

https://apply.us.hsbc.com/apps/servlet/SmartForm.html?formCode=ccoprequal&promoid=RVM&marketingcode=ZZZZZZZZZZ&irgwc=1&cid=ZZZZZZZZZZ&pStack=ZZZZZZZZZ

Re: HSBC C.C prequalification?!

Anonymous — Tue, 05 Nov 2019 16:57:27 GMT

What about current customers? Not seeing anyhting....

Re: HSBC C.C prequalification?!

spiritcraft1 — Tue, 05 Nov 2019 17:08:37 GMT

No prequals... but they are sending a letter to state why. That is different than most.

Re: HSBC C.C prequalification?!

MrCreditInternational — Tue, 05 Nov 2019 19:05:16 GMT

Once I put my SSN, they said I can't use this tool because I'm already a costumer

Re: HSBC C.C prequalification?!

Vulcan1 — Tue, 05 Nov 2019 19:35:07 GMT

They pull Equifax. I filled out prequal and it said to unlock my equifax account. Not going to do it, just checking.

Re: HSBC C.C prequalification?!

MrCreditInternational — Tue, 05 Nov 2019 19:41:45 GMT

@Vulcan1 wrote:
They pull Equifax. I filled out prequal and it said to unlock my equifax account. Not going to do it, just checking.

This really pisses me off

I don't understand why prequal sites request you to open your frozen files. They're only going to SP you and they can do that with your reports frozen, so I really don't know why they always ask you to unfreeze your account

Also Sync not giving you your credit score with a frozen report?

Re: HSBC C.C prequalification?!

FinStar — Tue, 05 Nov 2019 20:11:29 GMT

@MrCreditInternational wrote:
@Vulcan1 wrote:
They pull Equifax. I filled out prequal and it said to unlock my equifax account. Not going to do it, just checking.
This really pisses me off
I don't understand why prequal sites request you to open your frozen files. They're only going to SP you and they can do that with your reports frozen, so I really don't know why they always ask you to unfreeze your account

Also Sync not giving you your credit score with a frozen report?

I fail to see how this would be upsetting. Plenty of other lenders who offer pre-qualified offers online without having to unfreeze. Some lenders have their rules or internal processes and that's just how they roll.

ETA - based on the information also provided, it appears the HSBC portal is geared toward new customers. Your signature seems to display 2 HSBC cards, which is the max number of CCs under their policy.

Re: HSBC C.C prequalification?!

K-in-Boston — Tue, 05 Nov 2019 19:56:55 GMT

FWIW I was able to get prequalifications. It was mentioned over in a thread discussing HSBC preapprovals showing on Credit Karma (topics are different enough that they are not merged). Details here.

Re: HSBC C.C prequalification?!

Anonymous — Tue, 05 Nov 2019 20:42:59 GMT

@MrCreditInternational wrote:
@Vulcan1 wrote:
They pull Equifax. I filled out prequal and it said to unlock my equifax account. Not going to do it, just checking.
This really pisses me off
I don't understand why prequal sites request you to open your frozen files. They're only going to SP you and they can do that with your reports frozen, so I really don't know why they always ask you to unfreeze your account

Also Sync not giving you your credit score with a frozen report?

Your credit report cannot be pulled, SP or HP, with a freeze or lock on it. The only exception is for account reviews for existing lenders and their agents (including collection agencies) and promotional inquiries.

It would make no sense to have security freezes if a lender can use a SP to get the information and open a new account.