HSBC unbelievably slow

Dudutwenty24

Hi All, 

It’s my first post to the forum so hello to all!

I’ll try to keep it as succinct as I can. I ordered a HSBC 0% card with the intention of getting a camera before an upcoming holiday and slowly paying it off in the coming months.

I've allowed a month for it to come prior to us going (admittedly I probably should've allowed more time). I got to the approved screen at the end of the application and just needed to click accept but clicked on the T&C’s for the card first which took me off this page. There was no way back to this page as you can’t reload it or go back it just timed out so I was then left with a hard search done and the feeling I hadn’t fully finished the application. Usually you get an email and or text to confirm application and I got nothing. 

I have used their social media support who are quick to respond and tell me I’ve been accepted (which I know) but they don’t seem to acknowledge that I haven’t technically accepted and I think this is causing the stall. I then called them and apparently they have a backlog and the guy could give zero clarity on what the hold up is or how long it will be. All other credit cards l've had have been purely automated and sent to me within days

It’s been over a week of radio silence now and I’m convinced I’ll never get this card. I've seen others on here and on Reddit with the same issue dating back as far as 2005!

Any advice? If I could just remove the hard search I’d move on without care but feel stuck in limbo and will be having a camera-less holiday now unfortunately 

Thanks

Nasqueron

2 hard searches in an otherwise well managed file isn't going to cause any major issues unless you want to apply for something major like a mortgage, the effects of a hard search are typically limited after 3-6 months anyway