Anyone hold CCs from Orchard Bank AND Household Bank?

[CCCrazy]

I was just curious if anyone here holds CCs from both Orchard and Household Banks? They are both owned by HSBC, and I was denied by Household since I had been approved by Orchard the previous week. I didn't realize they were both owned by HSBC. So I was wondering if I just have to wait a few months and apply to Household again? Any input would be appreciated - thanks!!!

[Amy26]

Yes you can wait and apply later. Hell I had like 4 credit cards with chase, 2 with discover... you can actually have one account already with the same issuer and then apply for another and get issued another card. Chase wouldn't lower my rate on a current card I had so I just went and applied for a different one that they offered and got approved at a lower rate. Sometimes, you can also combine cards if you get them issued from the same issuer. However I don't think that would work with household and orchard because they are two separate offerings.

[CCCrazy]

Thanks for the info, Amy.

[jadams]

HSBC/Household/Orchard need time between applications or you'll get an instant decline. If you call the phone number on your decline letter, they should let you know how many months (if I recall it's like 18).

[Intoodeep80]

HSBC/Household/Orchard need time between applications or you'll get an instant decline. If you call the phone number on your decline letter, they should let you know how many months (if I recall it's like 18).

What?! No way. I was approved for an Orchard Bank card right out of discharge, and was approved for my Household Bank card 2 months later. The HSBC card has more credit line too.

[CCCrazy]

What?! No way. I was approved for an Orchard Bank card right out of discharge, and was approved for my Household Bank card 2 months later. The HSBC card has more credit line too.

Good news!!! I'll wait until the end of January (3 month gap) and try Household again.

[Stilltheone]

Me and my husband each have an Orchard Bank and a Best Buy, which are both HSBC.