HSBC current account and credit card

Backontrack_3

Hi all,

I recently became an HSBC account customer, at first because of my poor credit rating they only gave me a solo card which I didn't even expect to get due to me been terrible with finances as a student. Now after 3 months regular salary payments they have already upgraded me to a Maestro card (£100) cheque guarantee.

I already have a capital one visa card but with a very small limit, I tried for an Egg card online and have been turned down, what are the chances of HSBC giving me a credit card, do they look at my current account and make a decision or go through agencies again? For my current account upgrade they just looked at my account usage.

Thanks for your help,
Matt

Fatboy_NSS

I would give them a try. I was declined for credit cards but got accepted by HSBC, I assume partly because my account with them has been nowhere near the limit for several years. I'm not sure if they'll take your account status into account in the initial application, but if you get declined it's probably worth writing in to them pointing out that your bank a/c with them has always been run perfectly.

Backontrack_3

Hi Fatboy,

Thanks for the info, I called them this morning and they accepted me over the phone. At first they offered me £1000 limit which is better than my £200 on capital one. They then called me back 10 mins later and said I had actually been offered £3500. I take it once you have been accepted over the phone and there sending the forms out that is then finalised?

Matt