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Hsbc, Kma!!!!!!!!!!!!!!


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Well everyone, I had two hsbc cards, low limits HIGH APR, and the only reason i have been keeping them is because the history! Well after today they are HISTORY! I called and got approved for a best buy consumer card, but for only 800 bucks, now keep in mind, I have two of their cards already and have PIF every time, for 1 year on one and 10 months on the other! NEVER over the limit, and NEVER late! Plus I had a car PIF after 2 years! So when HABIB told me congrats u got approved for 800 I said close it, I dont even want it! And then I called orchard and best buy reward zone MC, and said STICK IT!!!!!! They said we hate to lose you, I said I will be glad for your accounts to be showing CLOSED on my credit file! The RZMC has a AF of 59 which they waived once but I dont think they would have again! Then the orchard was 39 AF, and the aprs are 15.0, with only 900 on one and 950 on the other after 1 year! You all can see my signature and see that I have some good prime cards, and HSBC at this point was good for a rebuilder but then they are nothing more!!!!!! Good BUY habib!!!!!!!! get it BUY LMAO!!! 800 CL is a insult to me! CITI gave me from 2800 to 6400 in 8 months!!!

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You have the best credit limits and the best cards, Krash. Nice going. Weed out the weeds and keep the tall trees.

My credit acquisition is at a bit of a standstill (I should cool it and let things simmer) but I did get a raise of $1,000 from the trifecta! I walked into Kay's (I said this in another thread, sorry to repeat it) since I've had the card more than 10 months (they say they'll automatically increase you after one year but you can ask in person after 10 months) and asked for a CLI. They made a phone call and bumped me from 2K to 3K. Which I confirmed has carried over to all three cards, so there's an instant extra 3K unused credit (to make it a total of $8800 unused credit - that's $9K minus the $200 I owe on my Kay's card) for my utilization!

Sorry, didn't mean to hijack. Your cards were just making me so jealous that I wanted to say I got a little something, too, even if I don't have those big, fat wallet-busters that you have!!!

8-):p:rolleyes::wink::mrgreen::mrgreen::mrgreen:

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You have the best credit limits and the best cards, Krash. Nice going. Weed out the weeds and keep the tall trees.

My credit acquisition is at a bit of a standstill (I should cool it and let things simmer) but I did get a raise of $1,000 from the trifecta! I walked into Kay's (I said this in another thread, sorry to repeat it) since I've had the card more than 10 months (they say they'll automatically increase you after one year but you can ask in person after 10 months) and asked for a CLI. They made a phone call and bumped me from 2K to 3K. Which I confirmed has carried over to all three cards, so there's an instant extra 3K unused credit (to make it a total of $8800 unused credit - that's $9K minus the $200 I owe on my Kay's card) for my utilization!

Sorry, didn't mean to hijack. Your cards were just making me so jealous that I wanted to say I got a little something, too, even if I don't have those big, fat wallet-busters that you have!!!

8-):p:rolleyes::wink::mrgreen::mrgreen::mrgreen:

You arent jacking the thread! I like it when someone tells me their storys! Also thanks everyone! HSBC sucks and I wanted a best buy consumer card so bad because the payments are so low, but i have a 3200 new egg preff account with cit bank and all the BML's with cit bank approve me for whatever i guess! Plus cit bank doesn't report to the CRA's well NONE around me, and i don't have to worry about util, and a new account lol, plus they only pull SOFT INQs after 1 hard, if you guys and girls want good computer parts with a nice easy way to pay, go to newegg.com and get a pref account! It won't help your credit but it will give you a place to buy nice parts cheap! New that is! I have a circuit city card with 2500 on it, and never get a cli, but i don't request one because they hard pull, damn chase lol.......

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Oh yeah, Newegg is the best. I order probably 10x a year from there. you must have crazy good scores.. all those 'bill me later' offers should just be called 'are ya feeling lucky' offers.

Unfortunately I'm about a month away from perfection... still got a 6yr11mo collection from Afni on my reports... I'm just crunched for time because a good 3 new accounts are gonna hit my reports any day... I know the fun will be over for a year probably.

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Whatever you do, don't stare DIRECTLY into the card! I was adamant about sending it back but it was just too beautiful. The blue "pops" and there's little glitters in the paintjob. It will transfix you.

No I didn't go for newegg, but I did try for the Associated bank one and got 'we'll let you know'.

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USBank? Yeah I thought about it, but the two that I applied for seem to be known for having a minimum of $5k CL's so I figured it wouldn't hurt to get approved or denied. USBank is all over the board with prime and subprime cards, and right now I think I'd get another $500 card, which I did at Cap1 last week. So I'd at least have to wait until my other cards report and cancel my low cards.

I don't know what to do about Chase. Common sense tells me I have a Disney Rewards card I can't put a disney trip on, a Carnival card I can't buy a cruise with, and a Best Buy card I can't buy a tv with... CLOSE 'EM ALL right? I don't know... is Chase EVER going to increase my CL by 10 or 20 times overnight? Or should I cancel it and reapply a year from now? I really like the Disney card, it's one of my favs. That new Cabela's card is all my other lines combined!

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I would get rid of HSBC! They suck as we all know! And if no one gives ya a cli and u are happy with that one card keep it! I would get rid of HSBC though, having their cards haven't even raised my score! I am stuck between 680 and 690 and i can't get it any higher! Also, citi has gave me nice cli's as we know, but my sears card won't go up, because i don't use it! So if u have a card with someone other than hsbc and you don't use it much, don't expect a cli!

ALSO, go apply for newegg and get back with me!

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