HSBC Card application mistake.

gospete

I wonder if anyone can advise me.

I'm a long standing HSBC current account customer and decided to apply for a credit card online.

My application was rejected. I phoned HSBC and they effectively said I messed up my application (3 times) , so the points counted against me. Must admit that as a retiree, some of the boxes were ambiguous in terms of salary and Employer details.

I corrected things and tried again - same result.

So as my credit score is now screwed, what should I do next?

I know nothing about credit ratings so any advice would be welcome.

Just a general point. Is this a risk of applying for credit online? The process doesn't seem very forgiving.

Thanks.

[Deleted User]

Don't worry about your credit score. No one ever sees it apart from you, as it is meaningless.

Leave it a month or two before making further applications, and then just one at a time.

gospete

Thanks.

Do you think that it would be better to visit an HSBC branch next time to ensure that the application is correct?

[Deleted User]

If you're unsure about using the online application process, then yes.

gospete

Must admit I'm a bit cheesed off with HSBC.
The online CCard application is not very user friendly.
You can't see an example of the form in advance, so whilst you are sorting out the information to fill in you run the risk of being logged out. That's want happened to me and it counted as multiple applications!

Also on a related point. When filling in monthly income and household expenditure, should I also include my wife's pension?

YorkshireBoy

gospete wrote: »

You can't see an example of the form in advance

Yes you can. You make a dummy application using false/made up details...right up to the final confirm/submit screen, as I've done with a HSBC application just now before posting.

Also on a related point. When filling in monthly income and household expenditure, should I also include my wife's pension?

The credit card application doesn't ask for spouses income so you shouldn't include it (by adding it to your own!). With monthly outgoings, just include your share (ie half!).

But on balance, I think you should stick to branch applications in future.