So I was steaming from my ears at AOD Federal Credit Union for denying me for a card...twice over minor paperwork technicalities. Since fixing the errors would take 6-7 months after the government reopens to fix that means the 3% back card will take some time to get from them. So I still want a 3% back all catagory card bu for now have to go with someone else. After searching for months since I want to be able to use Plastiq(Not allowed by Allient CU) I finally remembered the logo on the side of jet bridges world wide, HSBC Bank. Pulling up their US site I found the HSBC Cash Rewards with 1.5% back normally but doubled for the first $10,000 in the initial year. Now that was perfect since I have plenty of category cards to keep the dollar amount sane. Well next I found that they have a prequal on their site that I can fill out and find out. Did that and the first match was the HSBC Gold Mastercard, bummer. As my heart sank for a second I continued scrolling for hope and the next card was the...HSBC Cash Rewards Mastercard, the one I wanted. I then filled out the main application via the preapproval suffering from spinning loaders after every page. Eventially I came to the final page with approval info.
Status: Approved Prequalified
Type: Instant
SL: $9,500
APR: 18.99% Variable
FICO 8: 7xx
HP Reporting Agency: Equifax
HP Reported: 2/2/2
Utilization: 5%
On Time Payments: 100%
AoOA: 10yr, 8mo
AAoA: 5yr
I have always liked the logo and it is nice to finally have them in my corner. I just wish it was for longer as after a year or so it will be thrown out. Oh well at least I can say I bank at HSBC at one time.
BOOM! Nice approval! CONGRATS! Nice SL, too!
Grats on the HSBC card and the very good SL out of a conservative bank 
Congratulations on your approval!
Congrats. Nice SL 🤑
@gdale6 wrote:Grats on the HSBC card and the very good SL out of a conservative bank
Conservative? I do not see it. They look liberal to me. The application was quite a breeze. Just a lot of spinning loading animations that almost made me loose my mind. I do know I make any bank drool with my conservative money management so that might make them happy.
All the congratulations are appreciated.