https://ficoforums.myfico.com/t5/Credit-Cards/HSBC-Update/m-p/577162#M184006 FYI...If you call 3 different times, you will get 3 different answers. They are the worst at giving out the real facts, or truths. Tue, 22 Sep 2009 10:07:48 GMT Anonymous 2009-09-22T10:07:48Z https://ficoforums.myfico.com/t5/Credit-Cards/HSBC-Update/m-p/577117#M183994 Well I had read some threads about how folks applied for a card, then a few months later pulled a soft and was pre-qualified again only to be declined after they pull the hard.  Well after talking with HSBC today their protocal is 18 months between aplications regardles of credit worthiness.  Just thought you all wanted to know. Tue, 22 Sep 2009 03:30:17 GMT https://ficoforums.myfico.com/t5/Credit-Cards/HSBC-Update/m-p/577117#M183994 irodriguez7885 2009-09-22T03:30:17Z https://ficoforums.myfico.com/t5/Credit-Cards/HSBC-Update/m-p/577162#M184006 FYI...If you call 3 different times, you will get 3 different answers. They are the worst at giving out the real facts, or truths. Tue, 22 Sep 2009 10:07:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/HSBC-Update/m-p/577162#M184006 Anonymous 2009-09-22T10:07:48Z