Sub Prime Credit Thread Part II

Tori_Bellatrix

never-in-doubt wrote: »

HSBC dont give cards to non hsbc bank customers - its been like this for yonks now......

see here: http://www.hsbc.co.uk/1/2/personal/credit-cards;jsessionid=0000xI_zV_GtNEjI0jnDiRWRhu_:12ntf14vj

In particular -

The Credit Card gives you a fast, convenient and reliable way to pay, 24 hours a day, wherever you are in the world.

Please note: This product is currently only available to existing HSBC current account customers.

I don't have any banking connection with HSBC other then a credit card. That was May last year.

sutton111

never-in-doubt wrote: »

sutton you are sooo gagging to read my sar's mate aren't you? LOL

gonna have to meet up if you want to see them anytime soon mate lol

Send them now!! ** stamps feet** LOL

never-in-doubt

Tori_Bellatrix wrote: »

Just Equifax for me ...

we have learned from past discussions that each lender changes their CRA criteria dependant on the applicant. Some always search one company until someone unique applies then they may seek to use the other CRA so to be honest nothing is set in stone regards to which CRA they search. I classify it as they use both and if they dont then great!

Pattern seems to be banks search both and credit cards use one or the other. Monument was the only one unique to use part time CRA (call crappy credit)

sutton111

Tori_Bellatrix wrote: »

I don't have any banking connection with HSBC other then a credit card. That was May last year.

I believe they changed the rule in October. It doesn't affect you at all. HAve they ever increased your limit?

never-in-doubt

sutton111 wrote: »

Send them now!! ** stamps feet** LOL

what all 300+ pages - yea course mate, it'll take me like 2 minutes to upload those! NOT! :mad:

Tori_Bellatrix

sutton111 wrote: »

Last year they changed it. If you already have a credit card you are allowed to keep it.

Thanks for that Sutton. I definately don't have an HSBC bank account ..

never-in-doubt

sutton111 wrote: »

I believe they changed the rule in October. It doesn't affect you at all. HAve they ever increased your limit?

cheers - didn't know this! sure shelfstacker will confirm but I trust you mate - although they told me last July I couldn't apply as I didn't bank with them..... but that could be cos it was near to October - who knows! maybe the branch were being tight, maybe I didn;t look their type LOL

Tori_Bellatrix

never-in-doubt wrote: »

HSBC dont give cards to non hsbc bank customers - its been like this for yonks now......

see here: http://www.hsbc.co.uk/1/2/personal/credit-cards;jsessionid=0000xI_zV_GtNEjI0jnDiRWRhu_:12ntf14vj

In particular -

The Credit Card gives you a fast, convenient and reliable way to pay, 24 hours a day, wherever you are in the world.

Please note: This product is currently only available to existing HSBC current account customers.

As Sutton says, I applied before this was changed ...

Tori_Bellatrix

never-in-doubt wrote: »

we have learned from past discussions that each lender changes their CRA criteria dependant on the applicant. Some always search one company until someone unique applies then they may seek to use the other CRA so to be honest nothing is set in stone regards to which CRA they search. I classify it as they use both and if they dont then great!

Pattern seems to be banks search both and credit cards use one or the other. Monument was the only one unique to use part time CRA (call crappy credit)

Yes, you're right ... It's hard to second guess who they are going to use.

Tori_Bellatrix

sutton111 wrote: »

I believe they changed the rule in October. It doesn't affect you at all. HAve they ever increased your limit?

Yes, after 3 months it went up by £500 ... nothing since then.