So if you do this and you get a specific pre-qualified offer, does that mean that you will be approved for that particular card? I have been afraid to apply for a new card, although I know I have to in order to start rebuilding my credit history. I was planning on getting a secured card within the next few months to minimize my chances of rejection and subsequently several inquiries on my file. I don't NEED credit, but I do see on my reports that one of the things hurting my score is no open accounts.
I entered my info into the HBSC card finder and this is what came up:
We're sorry we could not pre-qualify you for a Rewards card, but you have pre-qualified for the HSBC Platinum MasterCard which is a premium card for people working to improve their credit. This card comes with:
Premium Platinum MasterCard benefits including car rental insurance24/7 online Account Management access, allowing you to manage your accountA choice of payment due dates and email alerts to notify you of your next due datePeriodic reviews of your account for possible credit line increasesA one-time processing fee of $19 and an annual fee of $79 Since it's a card for people improving their credit, I assume they have some way of looking at my scores, so would this be the same as a pre-approval?
Thanks!