How do you get CLI with HSBC?

[Anonymous]

I've been with them almost 5 years and have gotten two clis.  One for 500 and a hard pull. Had to beg for that one.  They wanted to know what it was for.  Then last month got one for 400.  No pull.  They are tough but I don't use them much any more.  $900 in 5 years is not good.  Even Cap One has given me 4500 in about the same time frame and no hard pulls.  Their interest rates are ridiculous. I'll be closing them soon.

I do believe you might have to give HSBC your first born.

Message Edited by casinoannie97 on 07-23-2008 12:22 PM

[Anonymous]

If you call the back door number for Capital one and tell them you want a lower APR they'll probably lower it. I did that just this past Saturday and they gave me no problems at all.

Oh and on HSBC I called and asked to close my account to get my CLI. No inquiry, but it was only for $200. I had a card with a higher line, but i never used it so they closed it on me. I had to reapply and start all over with a $750 credit line, but have only had the card for two months and it's now at $950. It's always worth a try!! Just make sure you don't play too hard ball or you may end up with a closed account!! LOL

Message Edited by ssims on 07-23-2008 12:37 PM

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
You could try hitting the CLI request button on their webpage. I have 2 CC's with HSBC. One is a BB card I've had since Jan 07, and the other is a Platinum Mastercard since Aug 07.

The BB card started at 2200 CL and last week I hit the CLI request button on their webpage and got a CLI to 4400.

The Platinum Mastercard is and started out at 1000. I like my BB card more, so would want CLIs on that card, but if I confirm that the request on BB wasn't hard I may ask for one on the MC in a few months.

On both cards I have carried balances at 0% for months. And only once made a charge on the MC that PIF. But I've never paid interest on either card, ever.

But that's the only suggestion I've got.

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I was pretty sure HSBC was a hard pull. Can someone confirm this?

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On the following thread a Poster states she got a CLI for the BB card, like I did, three months earlier and had no hard pulls on her reports:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=99224

Message Edited by woopah on 07-23-2008 07:23 PM

[dieselcafe]

You call their backdoors # and talk to rep in a nice way; they will give you a CLI. I have a HSBC card for 6 months, I called them twice for CLI and increased my CLI by $100 each time.

[TangMeister]

The last CLI I applied for was online, courtesy of the magic button, and it was a soft pull. YMMV.

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@Anonymous wrote:

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@Anonymous wrote:
You could try hitting the CLI request button on their webpage. I have 2 CC's with HSBC. One is a BB card I've had since Jan 07, and the other is a Platinum Mastercard since Aug 07.

The BB card started at 2200 CL and last week I hit the CLI request button on their webpage and got a CLI to 4400.

The Platinum Mastercard is and started out at 1000. I like my BB card more, so would want CLIs on that card, but if I confirm that the request on BB wasn't hard I may ask for one on the MC in a few months.

On both cards I have carried balances at 0% for months. And only once made a charge on the MC that PIF. But I've never paid interest on either card, ever.

But that's the only suggestion I've got.

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I was pretty sure HSBC was a hard pull. Can someone confirm this?

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