Re: HSBC C.C prequalification?!

CreditCuriosity · ‎11-05-2019

weird not showing on my browser... could be a firewall issue with our company or a vpn issue as used a few different browsers so far. Will look when I get home. Thanks.

Strange thing trying to log into account and can fine to pay a bill but getting an error.... sigh. Will deal with that when i get home as well

GApeachy · ‎11-05-2019

https://apply.us.hsbc.com/apps/servlet/SmartForm.html?formCode=ccoprequal&promoid=RVM&marketingcode=...

My Take Home Pay Don't Take Me Home

Anonymous · ‎11-05-2019

What about current customers? Not seeing anyhting....

spiritcraft1 · ‎11-05-2019

No prequals... but they are sending a letter to state why. That is different than most.

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

MrCreditInternational · ‎11-05-2019

Once I put my SSN, they said I can't use this tool because I'm already a costumer

Current open cards:
Schwab Amex Platinum (NPSL); Amex Gold (NPSL); HH Aspire ($31,700); Amex BBP ($27,000); HSBC Premier WMC ($21,500); USB Altitude Reserve ($20,000); USB Altitude Reserve ($10,000); WF Bilt MC ($9,400); Chase Freedom ($7,300), BofA Premium Rewards ($5,000); Apple Card ($4,750); BofA Alaska Visa ($4,200); USB Altitude Go ($1,000)

Started collecting cards: Oct/2018

Vulcan1 · ‎11-05-2019

They pull Equifax. I filled out prequal and it said to unlock my equifax account. Not going to do it, just checking.

MrCreditInternational · ‎11-05-2019

@Vulcan1 wrote:
They pull Equifax. I filled out prequal and it said to unlock my equifax account. Not going to do it, just checking.

This really pisses me off

I don't understand why prequal sites request you to open your frozen files. They're only going to SP you and they can do that with your reports frozen, so I really don't know why they always ask you to unfreeze your account

Also Sync not giving you your credit score with a frozen report?

Current open cards:
Schwab Amex Platinum (NPSL); Amex Gold (NPSL); HH Aspire ($31,700); Amex BBP ($27,000); HSBC Premier WMC ($21,500); USB Altitude Reserve ($20,000); USB Altitude Reserve ($10,000); WF Bilt MC ($9,400); Chase Freedom ($7,300), BofA Premium Rewards ($5,000); Apple Card ($4,750); BofA Alaska Visa ($4,200); USB Altitude Go ($1,000)

Started collecting cards: Oct/2018

FinStar · ‎11-05-2019

@MrCreditInternational wrote:
@Vulcan1 wrote:
They pull Equifax. I filled out prequal and it said to unlock my equifax account. Not going to do it, just checking.
This really pisses me off
I don't understand why prequal sites request you to open your frozen files. They're only going to SP you and they can do that with your reports frozen, so I really don't know why they always ask you to unfreeze your account

Also Sync not giving you your credit score with a frozen report?

I fail to see how this would be upsetting. Plenty of other lenders who offer pre-qualified offers online without having to unfreeze. Some lenders have their rules or internal processes and that's just how they roll.

ETA - based on the information also provided, it appears the HSBC portal is geared toward new customers. Your signature seems to display 2 HSBC cards, which is the max number of CCs under their policy.

K-in-Boston · ‎11-05-2019

FWIW I was able to get prequalifications. It was mentioned over in a thread discussing HSBC preapprovals showing on Credit Karma (topics are different enough that they are not merged). Details here.

Anonymous · ‎11-05-2019

@MrCreditInternational wrote:
@Vulcan1 wrote:
They pull Equifax. I filled out prequal and it said to unlock my equifax account. Not going to do it, just checking.
This really pisses me off
I don't understand why prequal sites request you to open your frozen files. They're only going to SP you and they can do that with your reports frozen, so I really don't know why they always ask you to unfreeze your account

Also Sync not giving you your credit score with a frozen report?

Your credit report cannot be pulled, SP or HP, with a freeze or lock on it. The only exception is for account reviews for existing lenders and their agents (including collection agencies) and promotional inquiries.

It would make no sense to have security freezes if a lender can use a SP to get the information and open a new account.

HSBC CC prequalification?!

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