Credit Card (Aqua Reward)

York_Student

I'm quite keen at applying for the HSBC Student Bank Account, due to their customer services alongside their interest free overdraft.

The Co-Op account has a high interest free overdraft, although I'm not pre-pared to comprise on the level of service (I've had bad/terrible service from their branch before).

I'll apply for the HSBC Student Bank Account alongside the HSBC Student Credit Card. In addition, I'll apply for the Aqua Reward Credit Card afterwards. Can anyone recommend the time period after?

zerog

York_Student wrote: »

I'm quite keen at applying for the HSBC Student Bank Account, due to their customer services alongside their interest free overdraft.

The Co-Op account has a high interest free overdraft, although I'm not pre-pared to comprise on the level of service (I've had bad/terrible service from their branch before).

I'll apply for the HSBC Student Bank Account alongside the HSBC Student Credit Card. In addition, I'll apply for the Aqua Reward Credit Card afterwards. Can anyone recommend the time period after?

If you're doing it online, just do them all at exactly the same time. Otherwise wait 6 months from the last time you got credit checked not including the HSBC one.

My HSBC student card limit was (is, as I am not closing it yet) £1500. I don't know about the overdraft, I got the student account with no overdraft, then went to about 6 different branches. The first one made me apply formally and got rejected after a credit search, the next 4 said "it's subject to status" and I would automatically get it if I qualified the next year, but in the 6th branch I got someone higher up and she somehow adjusted my limit on the system without any checks and called her colleagues idiots...

callum9999

zerog wrote: »

If you're doing it online, just do them all at exactly the same time. Otherwise wait 6 months from the last time you got credit checked not including the HSBC one.

My HSBC student card limit was (is, as I am not closing it yet) £1500. I don't know about the overdraft, I got the student account with no overdraft, then went to about 6 different branches. The first one made me apply formally and got rejected after a credit search, the next 4 said "it's subject to status" and I would automatically get it if I qualified the next year, but in the 6th branch I got someone higher up and she somehow adjusted my limit on the system without any checks and called her colleagues idiots...

Are you sure it's actually a student card and not just an HSBC card? The limit on a student card should be £500 according to the HSBC website, and it's been that way for at least 3 years now (and seems to be the same at all banks).

trikidy

I was in your position, Capital one classic accepted me and aqua reward. So I would try capital one next

York_Student

Thanks for all the above comments.

I've now applied for the HSBC Student Bank Account alongside the HSBC Student Credit Card (the form allowed me to apply for both products within the same application).

In regards to the Aqua Reward Credit Card, I'll await to apply in Year 2 once I've built some credit history.