I have a HSBC MC for about a year now. Back in April, I received a pre-aproval for a Discover. I said what the heck, and was denied(it came as no surprise).
BUT, a week after the decline, I did get a call from a Discover csr, saying they CAN open me up on a Discover Card, as I've been approved by HSBC financing it.
I turned down the offer flat, saying I already have a MC with them.
Looking back, maybe I should have taken them up on the offer. That was all done, before I learned of this forum.

Live and learn.