HDBC Advance - gutted

flaneurs_lobster

gsmh said:

GrumpyDil said:

If anyone else is thinking of applying quidco are offering 45. 00 cashback on the same deal and I have an email about double cashback tomorrow so possibly 90.00 cashback on top of the other offers. 

Hmm. Quidco wouldn't pay me cashback for a car insurance purchase - even though I used their own comparison service and clicked on one of the results and bought a policy. I did screenshots of each step but they said they didn't record a purchase link. It appears if you have a sensible level of security on your computer you may find certain cookies aren't recorded. It's a rather old-fashioned way of tracking cashback TBH.

Off-topic but anyhoo you are absolutely right.

If you've found a Quidco/TopCashback offer you want to use then start the purchase process again, using a new instance of your browser (or a different browser) with all anti-ad/spam/virus/cookie blockers turned off. Make sure you sign on to TCB/QC before starting the purchase via their website.

Once done kill the unprotected browser session before your PC drowns in crap (maybe).

[Deleted User]

flaneurs_lobster said:

gsmh said:

GrumpyDil said:

If anyone else is thinking of applying quidco are offering 45. 00 cashback on the same deal and I have an email about double cashback tomorrow so possibly 90.00 cashback on top of the other offers. 

Hmm. Quidco wouldn't pay me cashback for a car insurance purchase - even though I used their own comparison service and clicked on one of the results and bought a policy. I did screenshots of each step but they said they didn't record a purchase link. It appears if you have a sensible level of security on your computer you may find certain cookies aren't recorded. It's a rather old-fashioned way of tracking cashback TBH.

Off-topic but anyhoo you are absolutely right.

If you've found a Quidco/TopCashback offer you want to use then start the purchase process again, using a new instance of your browser (or a different browser) with all anti-ad/spam/virus/cookie blockers turned off. Make sure you sign on to TCB/QC before starting the purchase via their website.

Once done kill the unprotected browser session before your PC drowns in crap (maybe).

I check the browser for updates, clear all temporary files/cookies, turn off any built-in browser ad-blocking settings and any ad-blocking extensions plus VPNs. 

Tonski

I was also rejected for this but offer the standard account. It's frustrating as I also have a good wage, paid off my morgage etc without any issues and no debt. I haven't used my credit card in quite a while so it's probably this which has brought my credit rating down.

dealyboy

It does seem that the behaviour of HSBC is rather like a credit card issuer using their own criteria as to who they want @Tonski, but the general rule seems to be that the applicant who is a borrower and pays it off regularly is wanted.

I must admit I have been mystified in the past by both acceptances and rejections, and credit limits.

Indout96

Just looked on my Advance account (been with them about 30 years and was ported to an Advance account when the one I had was closed down) and just seen my overdraft which has never been used is £1250, we literally keep very little in the account, money comes in from wage (part time now) & pensions and is transferred to Chase the same day normally around 6.00am 

pridehappy

Don’t worry, if you’re just wanting an account for travel money when using a debit card abroad, there’s plenty of great options (may not get £205 but some other decent benefits):

Soft Search:
• Starling Bank
• Monzo

Hard Search:
• Virgin Money
• Metro Bank

Travel Money Cards:
• Post Office Travel Money Card
• Sainsbury’s Bank Travel Money Card
• TUI Travel Money Card

There’s just a few but plenty out there. It’s annoying not to get the £205 but you won’t be left without any good options, which are easy to get.

WillPS

dealyboy said:

It does seem that the behaviour of HSBC is rather like a credit card issuer using their own criteria as to who they want @Tonski, but the general rule seems to be that the applicant who is a borrower and pays it off regularly is wanted.

Every current account is assessed in this manner. The only difference is that HSBC are unusually narrow in their eligibility requirements (in general but especially for the Advance account).

alienbearwater

Just thought I would add that I was also rejected for the HSBC Advance Account. Kinda a shame as it would be minimal work for a free £205 and no need to switch.

GrumpyDil

Would be interesting to see what numbers apply after tonight's Martin Lewis show where he gave the impression it should be fairly straightforward to get through the checks. 

artyboy

GrumpyDil said:

Would be interesting to see what numbers apply after tonight's Martin Lewis show where he gave the impression it should be fairly straightforward to get through the checks. 

I thought it was hilarious - Martin made out it was the easiest money you'd ever make, and that it was just a few minutes work. Sorry, is this actually HSBC that we're talking about here???

A major reality check to come for many I fear...