HSBC Credit Card

Innocent_Guy

Andy_Ches wrote: »

I'm a plus customer with a saving a/c, ISA, reg saver but don't meet the criteria!

I have exactly the same as you and got declined in NOV......... I was going to re-apply but the cbb

DanDan123

Andy_Ches wrote: »

I have been a customer for years, I hardly go overdrawn, 3 savings account and applied for a card and got a secure message to say 'sorry you don't meet the criteria....' I get my 3 credit files often and just had them.....all clear and up to date..... so who knows! :rolleyes:

That is what i am expecting too to be honest.
We will see tomorrow - i will give them a call then, they said that they have my application but that department is closed.

Innocent_Guy

DanDan123 wrote: »

That is what i am expecting too to be honest.
We will see tomorrow - i will give them a call then, they said that they have my application but that department is closed.

Interesting, well keep us posted. I am sure it has gone to underwrting because they would have just told you sorry declined otherwise

Andy_Ches

I had a card between 2002 - 2005 and never had any problems then closed it in late 2005. One guy said that may go against you....hmmm...a fully repaid credit card account what had on time payments for 3 years may go against me?!

Innocent_Guy

Andy_Ches wrote: »

I had a card between 2002 - 2005 and never had any problems then closed it in late 2005. One guy said that may go against you....hmmm...a fully repaid credit card account what had on time payments for 3 years may go against me?!

Honestly some of these peoplep do not have a clue!! Just appeal their descion and use your old account conduct as proof you can manage a CC

DanDan123

Well i called them this morning, and all they wanted to know was the error code on the screen from my application.

They said that i would be informed of the decision within two working days.

I wont be holding my breath.

DanDan123

Evening all,

I've just called HSBC to find out the status of my application and was firstly told "yes, it does look like a decision has been made - can you hold the line" then she came back and said that because i had applied on-line then they couldnt tell if my application was successful of not at the moment, and that i would be notified on Monday or Tuesday either by post, phone or on-line banking.

What do we think? Sounds like a decline to me!

never-in-doubt

ldavies wrote: »

One of the criteria for a hsbc cc is that there is a min of £500 mandated into the current account on a monthly basis.

Also dependant on current borrowing levels inc od, pl, old cc that havent been closed and flexiloans and current account conduct

hope this helps

PLAIN ENGLISH! LOL

for anyone new od = overdraft / pl = personal loans / old cc = previous credit cards

LOL :beer:

I also got told about the £500 min mandate. cheers for confirming it..

never-in-doubt

ldavies wrote: »

lol im sorry.. in work mode still!

haha - it was funny and took me 3 goes to understand it all - hahahahaha

Take it easy and chill mate, its the weekend now I'm in amsterdam getting wasted LOL :j

never-in-doubt

ldavies wrote: »

im sure it wasnt my jargon typing then!!

its you!, wasted in amsterdam

on mse!!

cant you think of anything else to do there??:rolleyes::D

LOL yea mate, sat in bulldog looking outta window at cabins and watching sad old men go in for less than 5mins and prob 100E lighter - LOL..... do you take visa love? heheheh - imagine it....

'do you take vanquis visa' hehe