M&S Credit card becoming HSBC

marcia_

hi, I have a M&S credit card and recently received the email confirming the transfer to HSBC. Says as I already have HSBC products I won't see a charge, my current account is with them.
However I applied for a HSBC credit card about 2 years ago and was instantly rejected. What is the likelihood HSBC will cancel my M&S card given the rejected my application?

flaneurs_lobster

What is the likelihood HSBC will cancel my M&S card given the rejected my application?

Between Vanishingly Small and None I'd say.

marcia_

https://forums.moneysavingexpert.com/discussion/comment/81986127#Comment_81986127

thank you very much

Grumpy_chap

https://forums.moneysavingexpert.com/discussion/6666830/m-s-credit-card-becoming-hsbc

Less than zero.

M&S Bank was always part of HSBC Group. Just an efficiency to do away with the separate business structure and make the M&S card just a re-branded overlay of HSBC products.

eschaton

https://forums.moneysavingexpert.com/discussion/6666830/m-s-credit-card-becoming-hsbc

Exactly zero.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6666830/m-s-credit-card-becoming-hsbc

It will depend on the reason that they declined you… you just didnt fit the profile of what they were looking for at the time? Very little to no chance… assessments done on new customers are much harsher than on existing customers generally speaking.

Now if they declined you because there was a fraud marker on CIFAS or one on of their internal systems then there may be more chances of them taking action if that marker still exists.

Unfortunately you are unlikely to know why you were declined so it's not the greatest of help but hopefully if you have been committing fraud you'd probably know about it.