Do not apply for 2nd HSBC

[NICKI183]

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unknown_entity wrote:

HSBC = Hongkong and Shanghai Banking Corporation.  They have been pretty lame for me.  Stingy with CLI's.  They seem to want to do business on their terms only.  Lots of sales calls too.  Actually it almost seems that they put your account on a script (like their CSR's) LOL.  If you deviate from it in the slightest (even by calling in for a CLI) they put you on a slow track to no improvement at all. 

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Yes, I totallyagree about them being stingy.  There won't be any backdoor numbers for them....LOL

[Anonymous]

I have three HSBC cards (2 via invitation).  First was Orchard Bank. In 06 received a preapproval in the mail from Direct Merchants (which is now owned by HSBC) for their Platinum Discover.  This year via invite from HFC (and HSBC company) opened an HSBC card.  There may be something different about the DMB card because csr's only see my Orchard and HSBC cards ... never mention the Discover.

[Anonymous]

why would anyone want 2 HSBC cards?  They are wicked.

[Anonymous]

the Orchard Premium is at 8.9%....big improvement over the HSBC

[Anonymous]

I have only received one credit limit increase from them and it was for 600 dollars on my HSBC Cash or Fly MC (current limit 1350 dollars).  I have asked them for other increases, nope.  And my Direct Rewards Discover (HSBC)--forget about it.  They are very stingy.  But Cap1 isn't (yet).

[Anonymous]

well i have 4 hsbc credit card, discover card, bestbuy credit card, bestbuy mastercard and orchard mastercard.