HSBC verify identity

[Anonymous]

I just applied for HSBC platinum mc,and it said that i was preapproved for some of their cards . So i choose what card i would like to have . When i submit the application it says that they need to verify my identity ,and there were almost 6 questions to choose from to answer. Even though they were asking me about my EX wife info .

Finally after i answer all thier questions it say they will respond to me by email .

Is that normal process from HSBC ? , and is that mean YES or NO ?

[haulingthescoreup]

I just accidentally (long story) applied for a Best Buy store card, which is issued by HSBC. The online app, which I thought was for a soft, didn't go through. I called to finish it, and they asked if I had had any professional licenses (electrician, private investigator, etc.), and they asked what city my son lives in. (He has a BB store card.)

This seems to be their way of making sure that a misspelling of a name, or a mis-keying of a SSN, doesn't mix your history up with someone else's. I suppose in this day and age that we should be happy.

[unknown_entity]

The same thing happened to me when I applied for the Cabela's Club Visa this past weekend.  I got done with the app and the little clock came on the screen for about 30 seconds with the caption "your application is processing"  Then it asked me some multiple choice questions about my neices birthday, age and then my sisters age.  After I answered them, I got the "Congratulations you're APPROVED" message...lol.  I think it's just another layer of security.  They ask you questions you should be able to answer that aren't asked on the application to try and trip up credit thieves.  It's pretty slick if you ask me.  It will probably help stop Credit theft if all CCC's start using it.  (Notice I said "Credit Theft" not identity theft.  Your identity is never stolen, you're still here, your name is still the same, you still have to pay taxes in your name, they still put your name on your paycheck.  It hasn't been stolen if you still have it.  It's CREDIT THEFT.   

[Anonymous]

Thanks for your respond haulingthescoreup   .

So do you suggest to call them to verify my identity . Even though i have one acc thro ORCHARD BANK ,and it's reported under HSBC in my cr .

[wmarat]

I applied to Saks MC (HSBC) last sunday, got 3 multichoice questions regarding my address and autoloan than was approved.

[Anonymous]

Wow that's interesting i never went thro this kind of process before .

Anyway i would like to thanks all of you for your responds

[haulingthescoreup]

When I called to find out what the problem was, the CSR verified that they had already pulled a hard. So in for a penny, in for a pound. Might as well finish it up.

[Anonymous]

So my i ask one more favor . Does anyone knows what the phone number for that dep ?

Thanks again

[haulingthescoreup]

For the life of me, I can't pull up the number on my goofy house phone. Sorry!

[wmarat]

Please call 1-866-896-2941 to speak with a Customer Service Representative regarding your application.

Our hours of operations are:

Monday through Saturday 8:00 a.m. to 9:00 p.m CT

Sunday from 10:00 a.m. to 6:00 p.m CT

Customer Service is closed Christmas Day, Thanksgiving Day and Easter Day.

This message from application to Saks MC (HSBC)