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i have call hsbc two times, both times they told me the same they told you. 2 week later i received a letter saying we cannot combine the two cards because the terms do not match? the second time i called, they told me that i will receive a letter in 10 day. this was about 3 months ago nothing yet.
KsCreditGal wrote:I have a question for any of you that participated in combining 2 or more HSBC credit cards that you may have had at one point.I called the backdoor number and spoke w/ a very friendly gentleman. He advised me that I could combine. I have 1- visa (1600 limit) and 1-mastercard (1300 limit)with them and am trying to combine the 2. He said that it would be no problem, that they do this sort of thing all the time for people, but he said that 1) he could not tell me what my new credit limit would be and 2) he had to mail me some forms to sign and mail back to them.Did anyone else have to fill out forms to do this? And how long did it take for you to find out what the credit limit would be. He said it is not guaranteed that I would get a 2900 limit by combining the two. He said the limit can be lower, the same, or higher.I have read where people said they had success combining their HSBC accounts, but as I searched through the threads- I could not find where anyone actually listed the process and if in fact they got to keep the limit of both cards combined or not.Any info is greatly appreciated.
I combined my Orchard with my HSBC. There are forms to fill out and the process takes about 2 weeks. There are no guarantees that you will retain your total combined credit line ... I was able to. I did escalate my call to a supervisor regarding the process. He contacted an office and was able to get them to confirm I would get my combined credit limit.
KsCreditGal wrote:I have a question for any of you that participated in combining 2 or more HSBC credit cards that you may have had at one point.I called the backdoor number and spoke w/ a very friendly gentleman. He advised me that I could combine. I have 1- visa (1600 limit) and 1-mastercard (1300 limit)with them and am trying to combine the 2. He said that it would be no problem, that they do this sort of thing all the time for people, but he said that 1) he could not tell me what my new credit limit would be and 2) he had to mail me some forms to sign and mail back to them.Did anyone else have to fill out forms to do this? And how long did it take for you to find out what the credit limit would be. He said it is not guaranteed that I would get a 2900 limit by combining the two. He said the limit can be lower, the same, or higher.I have read where people said they had success combining their HSBC accounts, but as I searched through the threads- I could not find where anyone actually listed the process and if in fact they got to keep the limit of both cards combined or not.Any info is greatly appreciated.
@Anonymous wrote:I combined my Orchard with my HSBC. There are forms to fill out and the process takes about 2 weeks. There are no guarantees that you will retain your total combined credit line ... I was able to. I did escalate my call to a supervisor regarding the process. He contacted an office and was able to get them to confirm I would get my combined credit limit.
Edit to add: I am not sure you can combine different brands (e.g. visa w/mastercard). You may want to verify or maybe another poster can confirm.
@Anonymous wrote:I have a question for any of you that participated in combining 2 or more HSBC credit cards that you may have had at one point.I called the backdoor number and spoke w/ a very friendly gentleman. He advised me that I could combine. I have 1- visa (1600 limit) and 1-mastercard (1300 limit)with them and am trying to combine the 2. He said that it would be no problem, that they do this sort of thing all the time for people, but he said that 1) he could not tell me what my new credit limit would be and 2) he had to mail me some forms to sign and mail back to them.Did anyone else have to fill out forms to do this? And how long did it take for you to find out what the credit limit would be. He said it is not guaranteed that I would get a 2900 limit by combining the two. He said the limit can be lower, the same, or higher.I have read where people said they had success combining their HSBC accounts, but as I searched through the threads- I could not find where anyone actually listed the process and if in fact they got to keep the limit of both cards combined or not.Any info is greatly appreciated.
Message Edited by PurpleHaze on 09-24-2008 10:31 PM
@TangMeister wrote:
@Anonymous wrote:I combined my Orchard with my HSBC. There are forms to fill out and the process takes about 2 weeks. There are no guarantees that you will retain your total combined credit line ... I was able to. I did escalate my call to a supervisor regarding the process. He contacted an office and was able to get them to confirm I would get my combined credit limit.
Edit to add: I am not sure you can combine different brands (e.g. visa w/mastercard). You may want to verify or maybe another poster can confirm.Message Edited by PurpleHaze on 09-24-2008 10:31 PM
PH, what was the final account age for your card? Did it reflect your oldest card's age, and what about the terms of the cards? I guess I should ask, did you keep the older or newer card for the combined card? Were you able to keep the best terms like Capital One lets cardholders do?
@Anonymous wrote:I have a question for any of you that participated in combining 2 or more HSBC credit cards that you may have had at one point.I called the backdoor number and spoke w/ a very friendly gentleman. He advised me that I could combine. I have 1- visa (1600 limit) and 1-mastercard (1300 limit)with them and am trying to combine the 2. He said that it would be no problem, that they do this sort of thing all the time for people, but he said that 1) he could not tell me what my new credit limit would be and 2) he had to mail me some forms to sign and mail back to them.Did anyone else have to fill out forms to do this? And how long did it take for you to find out what the credit limit would be. He said it is not guaranteed that I would get a 2900 limit by combining the two. He said the limit can be lower, the same, or higher.I have read where people said they had success combining their HSBC accounts, but as I searched through the threads- I could not find where anyone actually listed the process and if in fact they got to keep the limit of both cards combined or not.Any info is greatly appreciated.