Orchard and HSBC...interesting

[onlineuse]

Spouse and I filed together mid 9/06. Discharge set for mid 12/06. No objections 30 days in, Chap 7 no assets. Wife applied for a secured card 100% for use at work as she could not go without a card. Credit limit is 100% backed by a deposit that accrues .6% a year. Orchard sent the card no problem. A week ago I get a phone call from HSBC with a approved card, all I have to do is activate. They called on a line only given out once to Orchard. I realize they are the same company. Line was 2k etc etc, non secured. I explained I couldn't do this now as I realize legally I'm not supposed to obtain new debt. Checked my transunion, 630 Fico.

Is it normal for these banks to already be offering cards? Is it even legal?

[FilingOnMyOwn]

Yeah its normal, but its definately not legal, at least on the side of the consumer. Although I did have both household and orchard cards before I was even dischared.

[CindyLou]

same here...opened my cards before bk, just didn't use them until...