Outtadebt4good Posted September 20, 2007 Report Share Posted September 20, 2007 A month ago I got an unsecured $750.00 CC with a decent APR and annual fee thru HSBC.Today I got another offer from HSBC for the same $750.00 card.Should I try the 'instant online approval" or will I be denied and waste an inquiry because I recently started another CC with them.I also have a $1,300.00 unsecured card with WAMU. I am rebuilding my credit from BK7 and thought 3 CC's would be good to do that.Would it be better to have 3 CC's from 3 different issuers?Would it be better to hold off on a third card, until an offer comes in with a higher starting limit?Thanks! Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted September 20, 2007 Report Share Posted September 20, 2007 A month ago I got an unsecured $750.00 CC with a decent APR and annual fee thru HSBC.Today I got another offer from HSBC for the same $750.00 card.Should I try the 'instant online approval" or will I be denied and waste an inquiry because I recently started another CC with them.I also have a $1,300.00 unsecured card with WAMU. I am rebuilding my credit from BK7 and thought 3 CC's would be good to do that.Would it be better to have 3 CC's from 3 different issuers?Would it be better to hold off on a third card, until an offer comes in with a higher starting limit?Thanks!Don't do it. You will be denied for having one of thier cards already. From what I understand, you can't have two VISA's or two MC's with HSBC, they have to be seperate brands, one VISA one MC. I feel into this trick and I wasted an INQ. Link to comment Share on other sites More sharing options...
Outtadebt4good Posted September 20, 2007 Author Report Share Posted September 20, 2007 Ah-Ha! I thought that was a bad idea - thanks BJS! Link to comment Share on other sites More sharing options...
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