topic Re: any answers? in Credit Cards

any answers?

USC08 — Sat, 28 Jun 2008 05:13:04 GMT

It still shows that i'm an AU on my CR for Best Buy. I was wondering If I apply for the best buy store credit card or mc, will it affect my chances of getting approved?

Message Edited by USC08 on 06-27-2008 10:13 PM

Re: any answers?

Anonymous — Sat, 28 Jun 2008 05:26:49 GMT

@USC08 wrote:
It still shows that i'm an AU on my CR for Best Buy. I was wondering If I apply for the best buy store credit card or mc, will it affect my chances of getting approved?

Message Edited by USC08 on 06-27-2008 10:13 PM

HSBC is the bank that issues the Best Buy cards, and they have a strict, one card per customer policy. However, I am unsure if this applies to you.

If you were to apply and get declined, you can call and recon, as you are not the actual account holder. I think it's worth a shot.

Re: any answers?

Anonymous — Sat, 28 Jun 2008 05:30:55 GMT

@Anonymous wrote:

@USC08 wrote:
It still shows that i'm an AU on my CR for Best Buy. I was wondering If I apply for the best buy store credit card or mc, will it affect my chances of getting approved?

Message Edited by USC08 on 06-27-2008 10:13 PM

HSBC is the bank that issues the Best Buy cards, and they have a strict, one card per customer policy. However, I am unsure if this applies to you.

If you were to apply and get declined, you can call and recon, as you are not the actual account holder. I think it's worth a shot.

I have to disagree with that. I have 3 HSBC issued cards and I'm an AU on another HSBC card. They tell me I'm at the limit with the 3 I am the primary card holder on.

Re: any answers?

USC08 — Sat, 28 Jun 2008 05:31:27 GMT

thank you!

Re: any answers?

Anonymous — Sun, 29 Jun 2008 19:31:25 GMT

PsychoFICO wrote:

I have to disagree with that. I have 3 HSBC issued cards and I'm an AU on another HSBC card. They tell me I'm at the limit with the 3 I am the primary card holder on.

The "one card per person" policy does exist, but doesn't seem to apply across the board.

It is not uncommon for those with only one existing HSBC card to be denied for a second one for the "maximum number of accounts" reason.

Re: any answers?

Anonymous — Sun, 29 Jun 2008 19:37:33 GMT

I think it also depends on whether or not they solicit you for a card or if you cold-app.

Re: any answers?

USC08 — Sun, 29 Jun 2008 20:08:56 GMT

what if i ask the primary card holder to take me off as a AU? then apply?