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HSBC - What the heck?

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Anonymous
Not applicable

HSBC - What the heck?

I went to the HSBC preapprover site, got preapproved, applied and was denied for being outside the service area. 

 

Has this happened to anyone else?  When I called to ask why I was denied, the guy said I am outside the service area.  When I asked why the preapprover would preapprove me for a card I can't possibly EVER get because its OUTSIDE MY SERVICE AREA, he said I should apply at A DIFFERENT ADDRESS, WHERE I DON'T LIVE.  Honest to god, the guy said this (?????)

 

What the heck?

Message 1 of 12
11 REPLIES 11
GST2008
Frequent Contributor

Re: HSBC - What the heck?

I'm a little confused.  What does that mean, "outside the service area"?  Do you not live in the US and apply for the US version?  Would it be possible to apply for a product within your "service area"?

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Message 2 of 12
Anonymous
Not applicable

Re: HSBC - What the heck?

Where is this HSBC pre-approval site?
Message 3 of 12
Anonymous
Not applicable

Re: HSBC - What the heck?

OP- I saw a recent post on another site about this happening to someone. I'm not sure if it was resolved, but I can check to see.

 


@Anonymous wrote:
Where is this HSBC pre-approval site?

 

You can go to the HSBC site and click on the 'start now' on the card you would like to try for. I don't believe it will allow you to do a pre-approval on the AMEX one, but most of the other's like the cash back and weekend card they do.
Message 4 of 12
Anonymous
Not applicable

I dislike HSBC

I dislike them in a manner that I cannot explain on the forum.  I feel they same way about them that some others on the forum feel about AMEX.

 

TheTaxMan

Message 5 of 12
Anonymous
Not applicable

Re: I dislike HSBC

they are known for doing a pre-approval yes, taking a hard inquiry when you hit the OK button, and then getting hit with a denial for any number of reasons.
Message 6 of 12
Anonymous
Not applicable

Re: I dislike HSBC

did you use a po box or military address?
Message 7 of 12
rubaty
Frequent Contributor

Re: HSBC - What the heck?


@Anonymous wrote:

I went to the HSBC preapprover site, got preapproved, applied and was denied for being outside the service area. 

 

Has this happened to anyone else?  When I called to ask why I was denied, the guy said I am outside the service area.  When I asked why the preapprover would preapprove me for a card I can't possibly EVER get because its OUTSIDE MY SERVICE AREA, he said I should apply at A DIFFERENT ADDRESS, WHERE I DON'T LIVE.  Honest to god, the guy said this (?????)

 

What the heck?


 

I had that happen to me when I applied for my First National Bank CC last year.  I used my military PO Box address and they told me to use a relatives address.  I gave them my mom's address and received my CC.  After my mom sent it to me I went online and changed the address.

Current Score: EX 772 EQ 777 TU 783 15 Jan 17
Goal Score: 815 across the board by Jan 18


Take the FICO Fitness Challenge
Message 8 of 12
Anonymous
Not applicable

Re: HSBC - What the heck?

I used my PO Box number when I applied and approved (had to provide physical street address when I activated my card) for my HSBC Weekend card.  Other credit issuers allow for the same.  They just need an address to send the card.
Message 9 of 12
Anonymous
Not applicable

Re: I dislike HSBC

I used my regular street address.  I only applied b/c I don't have a master card and thought it would nicely round out my credit portfolio (auto, home, visas, store card).  I HATES Amex so I thought this was a good compromise.  Now I'm smacked with the stupid inquiry for a card I was never going to get.  If they denied me for credit worthiness reasons, I could accept it and go on, but since they say I'm outside the service area, it really, really steams me.  As if their stupid computer didn't know I was outside the area when they preapproved me? 

UGH!!

Message 10 of 12
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