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HSBC credit card

I wanted to apply for this credit card but wanted to know if they will accept me as Im a studnet. Not on their student accoont but their standard current account? Any 1 had experience with them as a student?

Also when I log on to internet banking and click on the credit card application my details, some of them are filled in with me only having to press the apply button?
Does this mean I am pre-approved, or will it result in a credit search if i click apply?
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Comments

  • any application for credit will more than likely require a credit search. its probably pre-filled as you are a customer with HSBC. all you can do for an accurate answer is apply for the card and see what happens. I am a student and had a credit card with them.
    ;)
  • naijapower
    naijapower Posts: 1,393 Forumite
    If your credit is okay and you have been a good customer, then i would encourage u to apply
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    my bf had a student account with them and they still declined him for a student credit card!!
    Kavanne
    Nuns! Nuns! Reverse!

    'I do my job, do you do yours?'

  • naijapower
    naijapower Posts: 1,393 Forumite
    Kavanne wrote: »
    my bf had a student account with them and they still declined him for a student credit card!!
    Well then, there we go...
    It obviously depends on several factors inclusive of your internal score with bank
  • sparkey1
    sparkey1 Posts: 444 Forumite
    100 Posts
    If you click through they will run a credit check on you.

    Also, it has only been a few years since HSBC started using credit checks. So depending on how long you have held your account, the account may not be being reported on. Once you click, your current account will then start being reported on.
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    naijapower wrote: »
    Well then, there we go...
    It obviously depends on several factors inclusive of your internal score with bank
    we took our business elsewhere and halifax gave him a CC immediately.
    Kavanne
    Nuns! Nuns! Reverse!

    'I do my job, do you do yours?'

  • naijapower
    naijapower Posts: 1,393 Forumite
    No surprise. I have always trusted Halifax....
    They give all the extra help
    'Who gives you extra'
  • 97trophy
    97trophy Posts: 915 Forumite
    naijapower wrote: »
    They give all the extra help
    'Who gives you extra'

    Yeah, and then what? They went belly up and cost the tax-payer billions.
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    How ironic that you have a very similar username to me. The information that is pre-filled, is what you gave to HSBC when you opened your account, or when you applied for an overdraft. This is pre-filled for everyone who applied for a credit card online with HSBC, while logged into internet banking.

    Just click continue, it'll do a credit search, then tell you whether you've been accepted or declined. If you've run your account well, and you have some previous credit history and no defaults/ccj's, then you should be fine.
  • TheEffects
    TheEffects Posts: 150 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    I was declined nearly a year ago for this card. My current account has been run well, mostly dormant with few transactions going in and out? as I have near stopped using the hsbc account. Not sure if its worth applying, as they seem to be strict in their criteria from some of the posts written?
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