"Member Since 02' $500 CL?"

Comment 1 by rockin35

I've Decided To XCL HSBC on 2008-04-20

Yeah,

Their limits are just to minimal and they really don't help my credit report if I'm not showing any increased credit lines. It's not so much that I need it, but I need the added points on my credit file. HSBC/ BestBuy Master cards limits are just to small. I thought about converting to the regular store card, but I really wont be using their card anyway... Thanks for your input!!! Rockin35!

Comment 2 by arod

Call Them Up on 2008-04-20

Call Orchard Bank or Household Bank at 1800-477-1024 and say that you will be closing them soon if there is not credit limit increase and that you have better cards

for HSBC---call -1-694-9222

Well try these numbers good luck..

Alex

Comment 3 by arod

Sorry on 2008-04-20

For HSBC 1-800-694-9222

Comment 4 by hjm331

I'm With You On That One on 2008-04-20

I will be closing my Best Buy Mastercard soon if they don't give me a CLI! I've been heavily using the card and paying it in full and still no CLI...

Comment 5 by yoyo11

Hhmmmm on 2008-04-21

They might ask you how much you make when you call for that increase... They asked me when I got my CLI this month. Next month will be my 1st year w/Orchard. It was just $100. I took it.

Two months ago I was declined because my debt ratio was too low (per orchard bank) so I got it up from 11% to 43% and got my increase. Good luck., and ask to speak with someone that could really help you at HSBC.

Comment 6 by beekers

HSBC on 2008-04-21

I have had my card with HSBC for several years with no CLI. Last week I called and talked to a guy you couuld hardly understand.

It looks like HSBC isn't just giving CLI anymore, you have to call and ask. Why do they do that? So they can give you a CLI of $100.00 and charge you $30.00 for it.

HSBC is becoming one of those cards that charges you a fee for everything.

Comment 7 by ness32

Not A Good Card..... on 2008-04-22

This card is only good for rebuilding credit. They gave me $750.00 to start with and I don't know why I took the card. They have additional fees everymonth. I closed the card and now paying them off. Also their finance chrgs are high too. Shouldnt be for a starter card with fees.

Comment 8 by eric

I Agree on 2008-05-30

I PIF my Orchardbank MC (because I don't even use my Householdbank MC) every month and my APR is 27.99% and I have a $59 AF which is ridiculous... I really need to close these clowns.

Comment 9 by faith

Approved Moments Ago on 2008-05-31

I've had an Orchard Bank Platinum Mastercard since 2006, started with $300 credit limit and now have a limit of $1,950 (received $200 limit increase last week). Applied for the Household Bank 2% Cash Back card and was instantly approved for $2,000 credit limit. Haven't checked credit score within last 30 days, however I opened 4 new credit card accounts end of April and was approved for 2 more today. Credit score will no doubt take a small hit but it's temporary, the trade off in the long run will be worth it.

Pay your bills on time every time, try not to carry a balance and you'll be rewarded.

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