aunieandreg Posted November 27, 2007 Report Share Posted November 27, 2007 After my horrid battle with them in which they are finally gone.used BBB and they came off without a fight. They claim they werent even on my reports:confused:-so who the h#@ll was I fighting all this time.Anywho just tried to apply for a best buy store card and they offer me the master card. I turned it down because I just wanted the BB store card. They said I didnt qualify for the store card but they can offer me the BB mastercard. I would think the BB card would be easier to get Your thoughts on this Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted November 27, 2007 Report Share Posted November 27, 2007 I applied for the BB Store card and was approved for $3000 then I realized I meant to apply for the MC. I'm too afraid to apply for the MC now. LOL Link to comment Share on other sites More sharing options...
Krash Posted November 27, 2007 Report Share Posted November 27, 2007 same thing happend to me, except i applied for just the credit card the master card, it is great to build with, so then i try for a circuit city card and got just the store card, but still is a credit card but i can't use it anywhere but CC, but it will be reported to all 3, chase did that one! 2500 cl, i was going to apply for a best buy just to see if i could get one, but who knows, guess i better wait Link to comment Share on other sites More sharing options...
Fizzle1979 Posted November 27, 2007 Report Share Posted November 27, 2007 My thoughts...I'm not sure if BB has a blacklist of former customers but they might and you might be on it. However, if you were offered the BB Reward MC I don't understand why you didn't take it? You could use it at BB and any other place that accepts MC...plus you will get gift card like coupons to use at BB to buy stuff. Link to comment Share on other sites More sharing options...
Krash Posted November 27, 2007 Report Share Posted November 27, 2007 yeah, hsbc is great for upping the cl without asking too!! They did on mine from 510 to 750 without a credit check! I didn't even have to call!! I love em so much i got a orchard card for them on the way, but i have thought about calling them later and asking them if they can turn the orchard card off and giving me a BB only cc! Never know, Circuit City gave me one for 2500, but i don't really like their deals! So I may just cancel it! Link to comment Share on other sites More sharing options...
aunieandreg Posted November 27, 2007 Author Report Share Posted November 27, 2007 My DH already has thier MC and since I have 2 CCs I didnt feel I needed another. We are trying to get 1 furniture store card & 1 electronic/appliencecard to round out our credit needs. We have Value city after Morris turned us down. I thought I would try BB after Cuircut city turned us down.We have so fartargetold navyexpressvalue city furnituremeijersHe has 2 MCs I have 2 MCs.ostermanssams clubthis sight rocks. We might just use our lge MC to make the major purchasesand keep our credit to a min. Link to comment Share on other sites More sharing options...
aunieandreg Posted November 27, 2007 Author Report Share Posted November 27, 2007 Oh yes BIG JOHN take you happiness elsewhere.How lucky are you:) Thats great. how were your scores??? Link to comment Share on other sites More sharing options...
Krash Posted November 27, 2007 Report Share Posted November 27, 2007 how much of a limit did sams club give ya?? i may turn my circuit city card off to get a sams club Link to comment Share on other sites More sharing options...
aunieandreg Posted November 27, 2007 Author Report Share Posted November 27, 2007 My dh only got $300.00. Dont know his scores but it was a start for him. First they told him $1,000 but when we got the statement inthe mail it only had $300. We use it pay it off and sock drawer it. Link to comment Share on other sites More sharing options...
bankybruce Posted November 27, 2007 Report Share Posted November 27, 2007 I got the MC first and they told me the same thing. It has a $300 CL. I have had it for 8 months. Last month I applied again for the store card and I got an $750 CL. I have not got a increase on the MC yet though and they only random checks for increases. Since they are through HSBC along with Orchid MC I got Orchid the same day and Orchid started at $300 and is now at $600. I suggest getting the MC and applying for the store card in 6 months. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted November 27, 2007 Report Share Posted November 27, 2007 yeah, hsbc is great for upping the cl without asking too!! They did on mine from 510 to 750 without a credit check! I didn't even have to call!! I love em so much i got a orchard card for them on the way, but i have thought about calling them later and asking them if they can turn the orchard card off and giving me a BB only cc! Never know, Circuit City gave me one for 2500, but i don't really like their deals! So I may just cancel it!I have an Orchard Bank HSBC card and the Reward Zone MC and they said they would combine the two if I agreed to a Hard Inquiry. I declined but might at a later date. Link to comment Share on other sites More sharing options...
Krash Posted November 27, 2007 Report Share Posted November 27, 2007 wow, u mean they don't do hard inq to see if u are approved? WOW, I wished i knew that for a FACT!!! Link to comment Share on other sites More sharing options...
Fizzle1979 Posted November 27, 2007 Report Share Posted November 27, 2007 wow, u mean they don't do hard inq to see if u are approved? WOW, I wished i knew that for a FACT!!!If you have two HSBC accounts they will combine the two accounts if you let them do a hard inquiry to see if you are "available" to have that done. I didn't want the additional inquiry so I declined. At least that's what the HSBC people told me. Link to comment Share on other sites More sharing options...
Moneedshelp Posted November 27, 2007 Report Share Posted November 27, 2007 I am wondering why they give some a MC when they actually applied for the store card. I would think it would be the other way around, but oh well. Is the interest rate higher on the store cards so that they can potentially make more money? R the limits for the MC's low? Link to comment Share on other sites More sharing options...
aunieandreg Posted November 28, 2007 Author Report Share Posted November 28, 2007 Thats what I mean. They dont trust me with thier store card but will giveme a card to use all over the place. I guess if I default it at least it is not withthier merchandise.. Must be some stratagy on that move. Link to comment Share on other sites More sharing options...
pointman Posted November 28, 2007 Report Share Posted November 28, 2007 i have thought about calling them later and asking them if they can turn the orchard card off and giving me a BB only cc! Never know, Circuit City gave me one for 2500, but i don't really like their deals! So I may just cancel it!Krash - by "turn them off" I hope you don't mean "close" the credit line. Pay them in full and keep them open so you keep the positive TL, but don't close them and lose the history. Don't use them if you don't want to, but at least keep them open and available.I am wondering why they give some a MC when they actually applied for the store card. I would think it would be the other way around... Is the interest rate higher on the store cards so that they can potentially make more money? According to Finance Globe the APR for the store card is 22.65%, the HSBC MCs vary, but avg 10.4%. Link to comment Share on other sites More sharing options...
sgip2000 Posted November 28, 2007 Report Share Posted November 28, 2007 Krash - by "turn them off" I hope you don't mean "close" the credit line. Pay them in full and keep them open so you keep the positive TL, but don't close them and lose the history. Don't use them if you don't want to, but at least keep them open and available.According to Finance Globe the APR for the store card is 22.65%, the HSBC MCs vary, but avg 10.4%.BB store cards have high APR's; however, they don't charge any interest for the first 90 days. As long as you don't keep a balance for more than 90 days, you won't pay any interest. Link to comment Share on other sites More sharing options...
Moneedshelp Posted November 28, 2007 Report Share Posted November 28, 2007 i really wanted the mc,but got the store card a few months back. can i wait a bit and apply for the mc? Link to comment Share on other sites More sharing options...
sgip2000 Posted November 28, 2007 Report Share Posted November 28, 2007 i really wanted the mc,but got the store card a few months back. can i wait a bit and apply for the mc?The opposite happened for me. I applied for the store card, was denied but approved for the MC. I received a letter about the store card saying that if I wanted to know why I was denied, to call. I called, they verified some info, and I was approved.Not sure what their normal process is, but there doesn't seem to be any consistancy. Link to comment Share on other sites More sharing options...
Moneedshelp Posted November 29, 2007 Report Share Posted November 29, 2007 ok so after talking about this here I remembered i chose to apply for the store card as opposed to the mc. Thought store would be easier to get. Got store card few months back. Decided to apply for MC. Approved last night online. 500 less than store card, but still good.This is my question. I see HSBC doesn't like you to have too many of their cards. I already have orchard secured, hsbc platinum unsecured, best buy store card and now the best buy MC. Will they combine one of the cards or revoke one of them? Had the secured card longest, about year now. others more recent. What will they do? Link to comment Share on other sites More sharing options...
sgip2000 Posted November 29, 2007 Report Share Posted November 29, 2007 ok so after talking about this here I remembered i chose to apply for the store card as opposed to the mc. Thought store would be easier to get. Got store card few months back. Decided to apply for MC. Approved last night online. 500 less than store card, but still good.This is my question. I see HSBC doesn't like you to have too many of their cards. I already have orchard secured, hsbc platinum unsecured, best buy store card and now the best buy MC. Will they combine one of the cards or revoke one of them? Had the secured card longest, about year now. others more recent. What will they do?Not sure what their policy is on the number of accounts they allow. I have 3 myself with HSBC and GF has like 7. Haven't said a word to either of us about having too many. It may just be that they don't want you to have too many "Orchard" cards. I've heard of them limiting those before. Link to comment Share on other sites More sharing options...
NYSWEETY01 Posted November 29, 2007 Report Share Posted November 29, 2007 I agree I just applied for the HSBC plat yesterday - they denied me citing: "i HAVE REACHED THE MAXIMUM NUMBER OF HSBC ACCTS"I figured it has to be my secured cards. I have 2.I called CS, and they confirmed that I have too many orchard cards. I called to cancel 1 of the cards and they told me to just call back after 3 days ( this is how long it will take the system to update according to the rep) and they would not have to perform another inquiry.We shall see... Link to comment Share on other sites More sharing options...
Moneedshelp Posted November 29, 2007 Report Share Posted November 29, 2007 thanks, that is good to know. Now I look forward to receiving my new BB MC. Yeah! Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted November 29, 2007 Report Share Posted November 29, 2007 ok so after talking about this here I remembered i chose to apply for the store card as opposed to the mc. Thought store would be easier to get. Got store card few months back. Decided to apply for MC. Approved last night online. 500 less than store card, but still good.This is my question. I see HSBC doesn't like you to have too many of their cards. I already have orchard secured, hsbc platinum unsecured, best buy store card and now the best buy MC. Will they combine one of the cards or revoke one of them? Had the secured card longest, about year now. others more recent. What will they do?As long as they aren't the same brand, like two VISA's or two MC, they don't care.. at least that what I have been told. I have Orchard, Best Buy (store) and HP (store). I would apply for the BB MC but I don't want any more INQ's on EX. Link to comment Share on other sites More sharing options...
ctfudge&bankofC-ville Posted November 30, 2007 Report Share Posted November 30, 2007 In the past I had at least three Orchard/Household cards (they're both under HSBC) and they were all obtained through pre-approved offers sent to me in the mail. I closed all of those almost one year ago.Now I only have one of their cards: an HSBC card, and I did apply for an Orchard recently, and they rejected me for the reason stated above, "maxiumum number of HSBC products already reached" or however it was phrased. In fact, I guess I have a short memory because this also happened approx. last spring, and that time I'm pretty sure it was in response to a pre-approved offer that came in the mail.If they knew that I had a card with them (not two cards, unless they're mistakenly counting my closed accounts), then WHY did they BOTHER pulling a CREDIT REPORT from EXPERIAN??? I have been unsuccessful at removing those score-dinging inquiries placed there by stupid HSBC who OFFERED me credit, then DENIED it for a bogus reason.(sorry, I was venting a minute there) :rolleyes: Link to comment Share on other sites More sharing options...
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