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About ctnmkp

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  1. How would this report on my CRs? As Discover or HSBC? Thanks in advance:D
  2. Your voice of reason shines through LNY:). I'll let you know the outcome!
  3. Yes, you are correct. That is what I was asking (in a not so round about way...haha!). I just wanted to make sure that if I applied for this thing (on the actual picture of the card, it says, "PLATINUM" across the top and the logo says, "Discover Network." The issuing bank is HSBC) that if turned down, I wouldn't automatically be considered for another HSBC card which is the same one I just got 3 weeks ago. Should I do it? Thanks LNY...your advice is always magic:).
  4. Okay, so I am posting on this thread b/c I figured I needed to find one to hijack and this seems to be the lucky one of the day....just kidding! Here's the scoop: I just got approved 3 weeks ago for the HSBC Platinum card, $3800 limit. Wahooooo. Today, I get a pre-approval for a Discover card, but when I go to the back of the application/pre-approval form it says "us" refers to HSBC Bank Nevada, N.A. Soooooo........ If I apply for this one could they somehow give me a second of the same credit card I was approved for 3 weeks ago? Or....If I am approved, it's for this "discover" card only a
  5. Okay...I called and cancelled my Orchard. Gawsh that felt good! When I called the first fella said, "Oh, I am so sorry to hear that," upon me telling him I would like to cancel. He asked why. I told him I had obtained higher limit cards and the limit was low, blah blah blah, ad nauseum. He gets the dirt from me and then connects me to an "account manager." This fella gets on there, says the EXACT SAME THING (they must have a script)...."Oh, I am so sorry to hear that." (word for word). I explain to him the same thing I told the first guy, "I obtained cards with higher limits, etc." and h
  6. Thank you Dire! That's exactly what I needed to hear. I am going to call now and cancel Orchard. Just one step closer to prime-land now:). Thanks again! You rock!
  7. Okay, LNY, Dire, Earth....I need ADVICE! I have been receiving numerous HSBC card offers lately. I have an Orchard (with a $600 limit) and have had it since Dec. 2005. It is my lowest limit card. I took the bait and got approved today for an HSBC Platinum Mastercard with a $3800 limit. WAHOO! Since my first credit card (Orchard) in 12/2005, I have gotten a USAA with a $2000 limit and a few other nice limit cards. The highest limit I have is $4500. The advice: I want to close my Orchard, BUT it's the card I have had the longest and have the longest history with...16 months. I do have a
  8. Thank you LNY...you are da bomb though:). When I first came here, you were the one that chimed in and taught me, so I have to keep referring you out ya know;). I truly think something is odd here, though. Why would Cap 1 sell an account to GEMB/Lowe's? That is a completely separate entity. It just seemed odd and since I had literally just read the thread over on the other forum about that Dateline series, my paranoia got the best of me! LOL. I dunno...if I were this poster, I would at least be calling around making sure things are okay with this and it's legit and really a transferred Cap
  9. Interesting. Sorry if I scared you with my paranoia....it just seems so odd to me that Cap 1 would transfer an account to GEMB/Lowe's. Is it an open account? I am probably not providing you any advice here, but just feel like something isn't right. LNY and the other experts will come along here soon and help you out:). In the meantime, try and do some searches using different combinations of words and see if you can come up with an answer.
  10. A bad thought just occurred to me when reading your post: Are you sure it's a Cap 1 transferred account and not a new account? And if it's a new account and you have had no knowledge of it (Lowe's is way different than Cap 1), could someone have used your identity to obtain credit? Just a thought...not trying to scare you (I just finished reading that thread in the other forum about the "To Catch An Identity Thief" series on Dateline and I admit I am probably a tad bit paranoid at this point). I am certainly not a credit expert and hopefully those who are will chime in (LNY? We need you her
  11. At least in my state, Idaho, Farmer's checked our credit for automobile insurance. We switched to Farmer's for auto insurance when we bought our house b/c we decided to use them for homeowner's. They ran a credit check through Equifax on both my husband and I. Our rate was not adjusted and we did not receive any correspondence concerning rates due to our credit scores at the time, so I can't really answer that part of your question. Hopefully someone can chime in and help out in that area:). HTH!
  12. LOL EarthAngel. I think those folks who answer the phones and are supposed to answer our questions are clueless!!!! They all give out such contradicting information. Then, we come here and get real-life experiences and it's the complete opposite of what they tell us! You'd think they would train everyone with the same information and gladly give it out. Of course, that would be the right thing to do:). Thank goodness for this site and everyone sharing their experiences so we get the real deal!!!!
  13. Hi, I have a Wal-Mart card and added hubby as an authorized user and they have reported on his CR's (all 3). Not sure about the other credit card you mention. Hope this helps!
  14. I just wanted to reply and hijack this thread briefly (LNY is going to get me for this...) and agree that ex-husband's are absolutely worthless:).