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I have a secured orchard and I am pre approved for a Patinum MC online on their website. I went ahead and got denied. Reason: I recently opened one HSBC card and have to wait for 18 months unless I get an invitation. Or I could close the existing orchard card and so I could get the new card which I was preapproved and otherwise denied. The CSR told me it was a 320 CL card with 79 AF. I told her no thanks and would let my secured orchard do its job for 9 more months.
Question is, since I was preapproved online and also actually approved with a 320 CL but for a technicality, is there a chance I would be receiving an invite anytime soon? Does HSBC mail out invites/preapprovals often? Or do I have to wait those 18 months?