That is so true colo. Cap1 is a ride-or-die card. Heeellloooo!

yeah buddy!

I posted a reveiw for Capital one a few months back when I applied they stated that if I paid on time and kepted my balance below my credit limit that they would give me a CLi of $500.00. I was happy to see when my bill cycled that I had a CLi from $500.00 to $1000.00 and in three more months if I maintain the above (credit Steps) Cap 1 will again increase my CL by another $500.00. This bank does rock!

That is so true colo. Cap1 is a ride-or-die card. Heeellloooo!

You know Colo I did not think of age both of Orchards were well over a year old one almost three years and the other about a year and half.

Yeah. Like HJM pointed out though, even though they are all HSBC accounts, each has its own "division" of sorts. So it did work for your Orchard cards because they were both Orchard. They are strange indeed. If you have not already, try for a Capital One card, they are a great bank and will grow with you.

You know Colo I did not think of age both of Orchards were well over a year old one almost three years and the other about a year and half.

HSBC is the parent bank and HSBC Retail Services is a division of HSBC. That's probably why.

It is still crazy to me that the MasterCard is actually the worse of the two offered. Usually the branded card (Visa/MasterCard etc) is the higher grade card. I can't stand HSBC-and the funny thing is, I've never even done business with them.

HSBC is the parent bank and HSBC Retail Services is a division of HSBC. That's probably why.

I've never heard that happen before.

Yeah, they are probably on different platforms can cannot be "downgraded."

Maybe just give it another year and see if they will convert your new MasterCard to a store card. I don't know if that is possible though.

I've never heard that happen before.

Best Buy MC - I have an account that I got in June 08 with a CL of $450, it was increased to $550 in January. I applied for the regular BB card and they gave me another MC with a $500 limit. I called to combine the 2 accounts to get 1 $1050 CL and they had me fill out a paper to update my info and I had to send it back. I called to check on the status and the woman said that the consolidation was denied. She said I would get a letter in the mail. Has anyone had this happen when trying to combine 2 Best Buy MC accounts? The supervisor did not know why it was not combined either. I really don't want 2 of the same account, but I do not want to cancel it either since I took the hit for the inquiry. Let me know if anyone has ever had this happen. HSBC is weird at times!

I am surprised they even issued two MasterCards. I don't hide the fact that I can't stand HSBC. Maybe just give it another year and see if they will convert your new MasterCard to a store card. I don't know if that is possible though.

I feel like calling them greedy is an understatement.

Best Buy MC - I have an account that I got in June 08 with a CL of $450, it was increased to $550 in January. I applied for the regular BB card and they gave me another MC with a $500 limit. I called to combine the 2 accounts to get 1 $1050 CL and they had me fill out a paper to update my info and I had to send it back. I called to check on the status and the woman said that the consolidation was denied. She said I would get a letter in the mail. Has anyone had this happen when trying to combine 2 Best Buy MC accounts? The supervisor did not know why it was not combined either. I really don't want 2 of the same account, but I do not want to cancel it either since I took the hit for the inquiry. Let me know if anyone has ever had this happen. HSBC is weird at times!

Was it an auto-cli in January? Sounds like they didn't want to give you the store card, so they could charge you another annual fee. I dont think it's that strange at all that they didn't combine them, they probably see it as "we can charge her 2 $79 AF's a year."

That's strange, I would keep calling until they combine both accounts. About six months ago, I called them to combine my Orchard Bank card and my Best Buy Mastercard and they didn't combine them because the Best Buy Mastercard was a "blended product" since it had ties with Best Buy.

In this case, both cards are the same so I don't see why they wouldn't combine them.

That's why both cards are now closed.

I don't know why they would not combine them. I just had two Orchard golds combined 400 cl each. I filled out the paper as well maybe you should call and ask for supervisor to find out what happened.