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as an expert, you should now know when you have a chance for a card and when to hold your horses things only take longer to gel if you insist on apping if you really need to be rebuilding first.
Pappy214 wrote:I'm a CC decline expert, I have been declined for everything but HSBC (Orchard)...
OP, i would say citi over hsbc when you factor in hsbc's hard-to-get cli's and hard-to-get good customer service. citi is way better and easier overall to work with ('get'), .