topic Re: Neiman Marcus Credit Card/Hsbc in Credit Cards

Neiman Marcus Credit Card/Hsbc

Anonymous — Thu, 01 Jul 2010 14:04:00 GMT

When I first got my NM card it was pre-HSBC. My friend asked what her chances of approval were, I cant really comment because my card was pre-hsbc. Her AAoA is 3 years, 2 new cards, 3 INQs on Eq FICO 715....no Baddies, lates 110k income.....She said her best though is her Experian and asked knowing HSBC uses Equifax in Tx....If she locked her TU and EQ would they have to look at her Experian or could they deny the application? Either way appreciate feedback as to her chances, and her idea of locking the other two....thanks

Val

Re: Neiman Marcus Credit Card/Hsbc

Breakthecycle2 — Thu, 01 Jul 2010 16:51:51 GMT

They most likely would not be able to pull it, unless you ask them.

Re: Neiman Marcus Credit Card/Hsbc

Anonymous — Thu, 01 Jul 2010 19:17:12 GMT

If there are no baddies on any report and the reports are not significantly different, I don't see the point of locking.

Re: Neiman Marcus Credit Card/Hsbc

Anonymous — Fri, 02 Jul 2010 01:06:00 GMT

I agree but she doesn't want them to use Equifax because of a specific LOC she is getting for some reason and knows that EQ can be a bit hard like EX lol....So will they just deny because its locked or just look at TU or EX? I think her scores are fine, unless HSBC Neimans is a hard card to get, I always thought SAKS MASTERCARD was

Re: Neiman Marcus Credit Card/Hsbc

Anonymous — Fri, 02 Jul 2010 02:23:51 GMT

Both are HSBC, but cobranded cards like Saks MC are generally harder than store only cards like Neimans.

My guess is that applying at the cash register with a nice purchase is the best strategy.

Re: Neiman Marcus Credit Card/Hsbc

Anonymous — Sat, 03 Jul 2010 04:21:47 GMT

She applied online and was denied, called HSBC Recon, told to go to store and buy something saying she had applied for the card and wanted the salesman to call Credit Services, what do ya know, Approved for 3500k! I guess they wanted to just prove she was who she said she was lol. She said it made her day! haha

Re: Neiman Marcus Credit Card/Hsbc

score_building — Sat, 03 Jul 2010 09:01:59 GMT

@Anonymous wrote:
Both are HSBC, but cobranded cards like Saks MC are generally harder than store only cards like Neimans.

My guess is that applying at the cash register with a nice purchase is the best strategy.

You called it.