If you are a former HSBC customer don't get too anxious yet and try it. You will get a message that the conversion is not yet complete and you must wait until it is. I am assured by Capital One that the HSBC account is just a normal account, not a subprime account, not a prime account. This is weird, since Capone is known for only having two classifications. This was even told to me by the EO! Type A and Type B accounts. I have a Type A, B, and now a C type I guess.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
