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HSBC Credit Card

124

Comments

  • DanDan123
    DanDan123 Posts: 378 Forumite
    Apparently my application has been refered, and can take up to 10 working days for a decision.

    I will be told in writing.

    Sounds even more unlikely to me!
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    PARIS_5000 wrote: »
    If you have only been with HSBC since December 08 which is just 4 months this will not give HSBC a long enough internal credit history to assess you on. Have you ask them what your behaviour score is

    behaviour score is their interpretation of an internal credit history! It takes 6mths minimum prior to getting a proper behavioural score.... I posted on the Vanquis thread all the scores, the levels and offers on each level....

    This is something i've spent a lot of time studying.... :D being I am a customer after all....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    behaviour score is their interpretation of an internal credit history! It takes 6mths minimum prior to getting a proper behavioural score.... I posted on the Vanquis thread all the scores, the levels and offers on each level....

    This is something i've spent a lot of time studying.... :D being I am a customer after all....
    They have had years of scoring me!!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    They have had years of scoring me!!


    How long mate, you been with them? do you have plus/maestro with cg? Any o/d?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    How long mate, you been with them? do you have plus/maestro with cg? Any o/d?
    At least 2/3 years, I have plus maestro with cg and O/D ;)
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    At least 2/3 years, I have plus maestro with cg and O/D ;)


    what about loan /cc? surely you'd pass their credit/behaviour score....? :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    what about loan /cc? surely you'd pass their credit/behaviour score....? :beer:
    I only had an account review in November. This is when they told me what they could offer me.

    No loan or CC was offered however this is when I still had my incorrect links showing / thus defaults at linked addresses
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    ldavies wrote: »
    you wouldnt always be offered lending facilities during a review. pop in and apply or use internet banking for instant decision, in most cases
    They advised me that this is the lending they could offer me
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • DanDan123
    DanDan123 Posts: 378 Forumite
    And the result is..............DECLINED!
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    DanDan123 wrote: »
    And the result is..............DECLINED!

    what? thats well harsh mate, why was this? How long you bank with them :confused:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
This discussion has been closed.
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