HSBC credit card

Pard_2

I have applied for my first ever credit card. I have banked with HSBC for last ten years. Am in a secure job for last 6 months earning 28.000 before deductions plus around 2,000 bonus annually.

I have no other debts, no loans, equifax and Expedia both showing green and excellent.

I chose HSBC as the obvious as I alerted hold a current account and savings account with them, in my accounts I have about 5,000 cash.

The only other debt I have is a arranged 1,000 overdraft on Halifax account which I kept for emergency I am currently using 600 of this 500 overdraft as I recently purchased a television with this account.
This will be cleared in next 2 weeks.

I am aged 24 so I still oa student loan each month.

I applied on Thursday, today got a message saying call HSBC to check a few details.

They said my pa stated and my pay entering account don't match up.

I wrote 30,000 on my application based on salary and bonus.

I wasn't aware if this needed to be preor post tax.

After deductions of national insurance student loan tax I have about 22,000 going into account.

I not want a credit card to build up my credit score as I will be applying for a mortgage in the near future.

The small print stated a minimum of 800 going into account each month. I am well above this with more like 1800 after deduction monthly.

Will I be rejected on the basis that i put pre tax Incme rather then post tax??

They have asked me to take my three last pay slips into my local branch which I will do?

Any thoughts or help.

Will my 1,000 overdra on other account affect me?...barng in knd this was 2500 until last week but. Reduced it to 1,000 as I don't use it.

Should I have got for a safer option such as vanquish for first card??
Will it become a black mark on credit file if they reject me.

I also have consistently had a he contraband gym memebrship for last 4 years always settled on time.


Thanks.

Pard_2

Sorry for the typos wrote message on my phone hope you get the gist of what im saying

ppc1

Pard wrote: »

I have applied for my first ever credit card. I have banked with HSBC for last ten years. Am in a secure job for last 6 months earning 28.000 before deductions plus around 2,000 bonus annually.

I have no other debts, no loans, equifax and Expedia both showing green and excellent.

I chose HSBC as the obvious as I alerted hold a current account and savings account with them, in my accounts I have about 5,000 cash.

The only other debt I have is a arranged 1,000 overdraft on Halifax account which I kept for emergency I am currently using 600 of this 500 overdraft as I recently purchased a television with this account.
This will be cleared in next 2 weeks.

I am aged 24 so I still oa student loan each month.

I applied on Thursday, today got a message saying call HSBC to check a few details.

They said my pa stated and my pay entering account don't match up.

I wrote 30,000 on my application based on salary and bonus.

I wasn't aware if this needed to be preor post tax.

After deductions of national insurance student loan tax I have about 22,000 going into account.

I not want a credit card to build up my credit score as I will be applying for a mortgage in the near future.

The small print stated a minimum of 800 going into account each month. I am well above this with more like 1800 after deduction monthly.

Will I be rejected on the basis that i put pre tax Incme rather then post tax??

They have asked me to take my three last pay slips into my local branch which I will do?

Any thoughts or help.

Will my 1,000 overdra on other account affect me?...barng in knd this was 2500 until last week but. Reduced it to 1,000 as I don't use it.

Should I have got for a safer option such as vanquish for first card??
Will it become a black mark on credit file if they reject me.

I also have consistently had a he contraband gym memebrship for last 4 years always settled on time.


Thanks.

Don't worry, you have not done anything wrong. Credit cards normally require the Gross salary not net. If you have a student loan deducted at source from you salary, this would appear that you earn less.

Provide the pay slips to HSBC and wait and see. I personally beielive that you willl be accepted with a credit card.

If you are rejected check the MSE credit card finder, it will carrry out a soft search on your credit file and find the most appropriate card.

Just relax and wait.....It will be fine!

iAMaLONDONER

Pard wrote: »

I have applied for my first ever credit card. I have banked with HSBC for last ten years. Am in a secure job for last 6 months earning 28.000 before deductions plus around 2,000 bonus annually.

I have no other debts, no loans, equifax and Expedia both showing green and excellent.

I chose HSBC as the obvious as I alerted hold a current account and savings account with them, in my accounts I have about 5,000 cash.

The only other debt I have is a arranged 1,000 overdraft on Halifax account which I kept for emergency I am currently using 600 of this 500 overdraft as I recently purchased a television with this account.
This will be cleared in next 2 weeks.

I am aged 24 so I still oa student loan each month.

I applied on Thursday, today got a message saying call HSBC to check a few details.

They said my pa stated and my pay entering account don't match up.

I wrote 30,000 on my application based on salary and bonus.

I wasn't aware if this needed to be preor post tax.

After deductions of national insurance student loan tax I have about 22,000 going into account.

I not want a credit card to build up my credit score as I will be applying for a mortgage in the near future.

The small print stated a minimum of 800 going into account each month. I am well above this with more like 1800 after deduction monthly.

Will I be rejected on the basis that i put pre tax Incme rather then post tax??

They have asked me to take my three last pay slips into my local branch which I will do?

Any thoughts or help.

Will my 1,000 overdra on other account affect me?...barng in knd this was 2500 until last week but. Reduced it to 1,000 as I don't use it.

Should I have got for a safer option such as vanquish for first card??
Will it become a black mark on credit file if they reject me.

I also have consistently had a he contraband gym memebrship for last 4 years always settled on time.


Thanks.

Well I hear Tesco might be a easier bet!

Archergirl

And you will get Tesco points if you have a Tesco card.

Pard_2

Thanks. What do you think my chances are with the HSBC option?...also If I get declined and apply for tesco will i have a lower chance?...how long should I wait.