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HSBC American Express Card

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Hello everyone! I just wanted to post about this card, and see if anyone has a good relationship with HSBC. I just got a pre-approved letter from them, but I'm hesitate to call because I recently placed a fraud alert on my CR's, and my inquires on my CR's are pretty high (TU- 10, EX- 7, EQ- 5). Plus, I have 3 baddies on my credit report and I didn't know if I should go for it with this card or not. I have until Oct. 16 to reply. Go for it or shred it? Thanks guys and gals!

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heres a disclaimer

American Express Web Site Rules and Regulations

HSBC Bank Nevada, N.A., ("HSBC Bank Nevada") requires that all visitors to site(s) on the World Wide Web that mention American Express-branded products and services (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions.


The Site is owned and controlled by HSBC Bank Nevada. American Express Company and its subsidiaries and affiliates ("American Express") have no responsibility or liability for the Site.


American Express products described in the Site are issued by HSBC Bank Nevada pursuant to a license from American Express.


The trademarks, logos and service marks ("Marks") displayed on the Site are the property of HSBC Bank Nevada, American Express and other parties. Users are prohibited from using any Marks without the written permission of HSBC Bank Nevada, American Express or such third party that may own the Marks. All content on the Site is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on the Site for commercial or public purposes.


HSBC Bank Nevada and American Express specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential or special damages arising out of or in any way connected with access to or use of the Site, (even if HSBC Bank Nevada or American Express have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user’s computer equipment.

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I'm trying to decide if I should apply for this or not, but I recently placed a FA on my CR's, so I feel I'll get a FAT DECLINED! :) And I believe they pull EX or EQ which has the lowest inquires on them, but I was trying to hold out on applying for anymore credit until 2008. What to do??? :confused:

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