Tell me about HBSC whos applied?

[Anonymous]

I believe these guys only pull EQ. Been heavily considering this card.
1.8% CB, MasterCard (so widely accepted in States & useable overseas), 0% ftf, $0 AF, small sign up bonus, and not managed by Synchrony (note: the PayPal MC is 2% CB no ftf/af, but I see too many Synchrony headaches & would prefer to deal with a physical bank; also dunno which report(s) they pull).
Not sure whether this Bank will be strictly issuing to Northeast residents or allowing people to apply from outside. Could try giving them a call to ask.

Edit: forgot to leave link. *doh*

https://www.citizensbank.com/credit-cards/overview.aspx

[Anonymous]

I would not waist your time with them. I filled out an application online. Finally received a letter 30 days later that the security team had my application and I needed to provide my DL and utility bill. After I provided that they finally pulled my credit. A week and a half later I received an e-mail that said they were in the process of decisioning my application. A week later I received an email saying I was approved and I would receive my card within 7-10 business days. It was 10 business days...so two weeks. So app to card took 2 months and a half week later I finally recieved my card in the mail. I opened the card to see they gave me a crappy $1000 limit. This is by far the lowest card that I have. It made an instant trip to the sock drawer. Hope this helps.

[JR_TX]

I think first week of app goes to Hong Kong first then Shanghai on the second week before it goes stateside on the third week for an average of 3-4 weeks per app.

[Anonymous]

Thanks for all the info Diff need to get an EQ pull only now, after a 17pt drop with Experian with the Discover card I applied for. My experience so far getting back into credit has been lackluster especially with the BS APRs I have received. I think its a joke that I have the same 25% APR from Discover that Cap1 gave me 4.5 yrs ago...

[Anonymous]

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@Anonymous wrote:
I believe these guys only pull EQ. Been heavily considering this card.
1.8% CB, MasterCard (so widely accepted in States & useable overseas), 0% ftf, $0 AF, small sign up bonus, and not managed by Synchrony (note: the PayPal MC is 2% CB no ftf/af, but I see too many Synchrony headaches & would prefer to deal with a physical bank; also dunno which report(s) they pull).
Not sure whether this Bank will be strictly issuing to Northeast residents or allowing people to apply from outside. Could try giving them a call to ask.

Edit: forgot to leave link. *doh*

https://www.citizensbank.com/credit-cards/overview.aspx

Thanks for the tip  @Anonymous  confirmed they  pull EQ only for SP and HP, I just got off the phone with them. They are trying to merge personal and credit lines to count as 1 inquiry in the future, since I asked that I wanted to apply for both. Now I have to decide to apply for personal loan or credit card to take 1 hit, instead of 2.  HBSC is out from the fourmn feedback 

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[DebtJoe]

I have a card with them and can confirm the pulled Equifax. They also DO NOT report to Transunion if that matters to you.

[Anonymous]

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@DebtJoe wrote:
I have a card with them and can confirm the pulled Equifax. They also DO NOT report to Transunion if that matters to you.

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HBSC is out of the running and thanks for the info. Yeah I would prefer all 3 get my credit history. Citzen One is now on my 1st list they also run EQ only. 

[Anonymous]

They were very easy for me. I had a ton of inquiries and only a month old discover secured card and got rejected by everyone I apped for last year, then I tried HSBC. I was surprised that I not only got approved but they gave me 4500. Got the $150 sub and used the card a while and got a CLI to $6000 recently. They helped a lot with my rebuild.