They pulled TU My score is around 660...one other cc that is less than 35% full, I do have 12 inquiries right now, but most will be gone by March since they were my atv, then my house.
HSBC is normally EX puller. How is your EX? I don't know if util so much matters to them, unless that is one of their prime cards.
I think you should definitely call the backdoor number and speak to a credit analyst. The computer may deny you however in speaking with a human being you may be able to get approve. Hey you never know until you try. It is only a phone call. What is the worst that can happen.
The computer may have denied you for too many inquiries however you can explain that to a human as to it being for your atv and house.
There have been many people who have been successful in reconning so give it a try.
Hope this helps and keep us updated on what happen.
This will help many people in your position with the same company in giving them the encouragement to also call.