Congrats! 
I applied on the 6th and got it on the 13th... so it took a week! I dunno about asking for a CLI before getting it, I doubt they would do it but I guess you can try?
Yeah, I'll wait on the CLI! LOL. You got your card in a week?!! That's amazing. They told me that there is a mandatory 14-day hold (for funds clearing) and then another 7 days to process and 7-10 days to receive!
It hasn't cleared my bank as of today (but the weekend and holiday just passed) so hopefully in the next day or so. I'm anxious because I want it to start reporting ASAP .
I hope mine doesn't take a whole month.
Also, thanks for the congrats Yoli!
Thought you posted it was unsecured?
There's should be no bank hold for that, and like an above poster I got mine within a week.
@Anonymous wrote:
@Revelate wrote:Thought you posted it was unsecured?
There's should be no bank hold for that, and like an above poster I got mine within a week.
Hi, yes its unsecured. They were referring to the funds for the processing fee being held. It's been pending in my bank account since yesterday so hopefully it'll post and I'll get it next week.
Thanks for the input.
Congrats on the approval. Weird, I wonder why they didnt just take the fee off the balance.
@Anonymous wrote:Hi, yes its unsecured. They were referring to the funds for the processing fee being held. It's been pending in my bank account since yesterday so hopefully it'll post and I'll get it next week.
Thanks for the input.
That's odd... cause when I applied to an unsecured Orchard CC I didn't have to pay any fee... the AF was going to be autimatically deducted from the CL... did you apply thru their website? 
@2NE1 wrote:
@Anonymous wrote:Hi, yes its unsecured. They were referring to the funds for the processing fee being held. It's been pending in my bank account since yesterday so hopefully it'll post and I'll get it next week.
Thanks for the input.
That's odd... cause when I applied to an unsecured Orchard CC I didn't have to pay any fee... the AF was going to be autimatically deducted from the CL... did you apply thru their website?
I did, and they just tacked the first year AF $59 onto my balance; as soon as I received it, activated it, and logged into the online account, it was right there. Pretty certain they mention that in their credit card agreement you have to sign.
@2NE1 wrote:
@Anonymous wrote:Hi, yes its unsecured. They were referring to the funds for the processing fee being held. It's been pending in my bank account since yesterday so hopefully it'll post and I'll get it next week.
Thanks for the input.
That's odd... cause when I applied to an unsecured Orchard CC I didn't have to pay any fee... the AF was going to be autimatically deducted from the CL... did you apply thru their website?
Hey, yes I'm referring to the PROCESSING fee, not the AF. The particular card that I got had a $39 processing fee. Also, yes I applied through their website and also spoke with the hsbc reps and credit analyst. Thanks for checking!
I just want to suggest this for anyone looking for another good unsecured card to help rebuild credit. My husband applied for a Capital One credit card back in October 2011 when his scores were in the high 500s and was approved for a $300 limit with them saying that he would have the opportunity for a CLI after 5 months of on-time payments. I have no idea how he was approved for the card with that score, but hey, we'll take it!!! Hopefully you all will have similar success if you decide to apply!
Starting Scores: EQ 582 TU 584 EX 615 (FICO - Lender Pulled) 1/4/2012