HSBC/Orchard Pre selector proven to be Junk?

[vish1]

I had no plans to apply for a HSBC (orchard) card but out of curiosity, just tried their pre selector a few days back. It told me that all I can get from them is a secured card. With scores around 700+ and recent approvals from Amex/Chase/US Bank, I was shocked that they would offer me a secured.

Then I read many other people saying this is what HSBC/Orchard show them as pre qualified for so I decided to run a test. I went to the pre selector and started typing junk. Junk name, address, SSN etc and it still said pre-approved for secured orchard.

Good enough to prove that its junk?

[JaseT]

I've played with that preselector for many months. For the longest time it always showed an Orchard Platinum card but now it only shows a SECURED basic card. LOL

[vish1]

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@JaseT wrote:

I've played with that preselector for many months. For the longest time it always showed an Orchard Platinum card but now it only shows a SECURED basic card. LOL

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Gives more strength to my thought that its all crap and offers the same secured card to any and everyone.

[JaseT]

I dislike HSBC with a passion. I closed my wimpy $300 CL Household Platinum with a $59 AF last night. They told me that my credit score only qualified me for a $300 CL....I told them my creditors that have given me $11k-$20k CLs disagree. 

Buh-bye HSBC! You won't be getting anymore of my money or business!

[smc733]

Yes indeed, the scores in my sig still bring them to offer me secured.  Twice it randomly offered me Gold, but I think this is crap.  My guess is it has a range, and if you're above the top tier, it just defaults to secured.

HSBC/Orchard pre selector is garbage, just like the company issuing the cards.

[JayRizzo]

Funniest thing... another poster actually called and spoke with an account manager who told them that they only received a low CL because of their low credit score during the time they applied, but the poster communicated their scores are in the mid to upper 700's.  I guess that punched another hole in HSBC's parachute.  I would have given my paycheck to see the look on that manager's face when they were told the scores!!!  But, of course, they go to Plan-B and give you some other off-the-wall excuse for having a low CL.   Do they "REALLY" assume everyone who applies have a low credit score?!?

[Anonymous]

HSBC is one of the worst banks ever, I have had problems with them, and I´m not gonna do business with a company like this, I will not even apply for store cards issued by them, they don´t worth it.

[Datx]

I have heard stories that the pre-selector will offer secured cards only, but if you actually bank with HSBC, it gives you real card offers instead of just the secured one.

[JaseT]

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@MyCreditStinks wrote:

I have heard stories that the pre-selector will offer secured cards only, but if you actually bank with HSBC, it gives you real card offers instead of just the secured one.

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That's true if you try the HSBC preselector. However, the Orchard and Household preselectors have offered cards other than secured.

[smc733]

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@JayRizzo wrote:

Funniest thing... another poster actually called and spoke with an account manager who told them that they only received a low CL because of their low credit score during the time they applied, but the poster communicated their scores are in the mid to upper 700's.  I guess that punched another hole in HSBC's parachute.  I would have given my paycheck to see the look on that manager's face when they were told the scores!!!  But, of course, they go to Plan-B and give you some other off-the-wall excuse for having a low CL.   Do they "REALLY" assume everyone who applies have a low credit score?!?

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That was me with the BB Store Card.