Is it possible to have have more then one HSBC product?

[Breakthecycle2]

I have seen where people who already have an Orchard or Household credit card apply for another one and they are denied based onhaving an account already? Is this true?

[Anonymous]

If you do a search for 'multiple hsbc cards' or something like that you'll get a lot of answers on that one.

[Anonymous]

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@Anonymous wrote:
WaMu Pre-App Count = Moot

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Not so moot, I keep getting them!  I was hoping they would stop when they were purchased by Chase, but no such luck!

[Anonymous]

I have two

one Orchard/Houshold card opened in 2005 and one HSBC/American Dream card opened 2008

BUT they are technically different "products" because the 1st is a low limit rebuilder card and the other is a plain ol high interest rate subprime card.

I'm movin up in the world!

[Anonymous]

it depends, hsbc has an internal tiering system and the lowest tier(i beleive secured and card with application fee) you often cant get a 2nd card for 18 months at least thats what i read and seems true since i got denied for having another hsbc account with a secured card that was only 7 months old

[Anonymous]

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woopah wrote:

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@Anonymous wrote:
WaMu Pre-App Count = Moot

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Not so moot, I keep getting them!  I was hoping they would stop when they were purchased by Chase, but no such luck!

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I keep getting them, too.

(Back to the originally scheduled thread.) 

[plasticguy]

I started out with 1 now I have 3 thanks to the take over ( So to speak)

HSBC Cash Platinum

GM Flexible Rewards Card

HSBC Direct Merchants Bank.

3 HSBC Cards, 3 different websites 

[GST2008]

I was told by a representative on the phone that it depends on the age of the other cards.  I had two at the time and was applying for a third, Saks MC, and was denied b/c I already had to open.  I could have reconned and gotten the card, but I would have had to close one of the other accounts.  I explained to her that I wasn't interested in that, and the rep said that if i wait till the other account ages to at least a year w/ good payment history, then I'll be eligible to add another card.  Now I get pre-approved from them all the time, lol just not for the product I want!

[Anonymous]

Who knows how they decide on this.  I have had 4 HSBC cards at one time: 1 M/C, 1 Orchard, 1 Discover Rewards, 1 Discover Platinum.  Perhaps I was able to have all 4 because the M/C and the Disc. are Direct Merchants.  I have no idea.  Currently I have just the Disc. Rewards and the M/C.  I did their preapproval app. online just to see what I would qualify for.. and they did preapprove me for a card.... imagine that... a 300.00 limit secure card.  Rediculous considering my limits on the other cards.

[Anonymous]

I don't know that there is any rhyme or reason to this question.  If you search it has been posted many times.  I have had three HSBC cards at one time (Orchard, DMB Discover, and HSBC). All of mine were from invitation except the HSBC which I was told I qualified for when I accepted a HFC loan. I just received an email from HFC saying I am not qualified for ANOTHER hsbc CC. I am going to call to see if the offer is for the same HSBC platinum I currently have.

I have been told you have must receive an invitation in order to get more than 2 HSBC products. However, some here have received the invite, took the hard hit and received a decline due to having too many HSBC products.