1. yes have PFD 6 collections paid off 2 CO that were back in 02 everything is current no past due amounts
2. The HSBC I have had since DEC 06 and havent been late on any payments I use it and totally pay it off each month to 0 balance (that is where it is at right now)
Question?
If they approve me for a second card when they pull my credit report, should I ask for a CL increase on the current card that I have, that way there isnt 2 inquireys on my CR