Bk friendly Best Buy (HSBC) MasterCard Soft Hit Pre-approval

[tiiger]

Got my card in the mail yesterday. The cc company said they don't do cl increases automatically.....I would have to apply for one. As far as the Walmart card goes, what bureau do the check for credit scores?

[brokejoke]

So my ch 7 was discharged feb. 09. Applied 6 mos later for orchard card, cap 1 and hooters. Declined for all 3. Never applied for anything else until I applied to cap 1 again last week. Still declined. I just applied for this one and got approved for $500 limit with no annual fee! I'm satisfied- I just want to rebuild my credit. Thanks for posting the link!

[wonderingrov]

One of the cards I'm including in my bk is actually an HSBC card (GM card) - so I think I'm safe from pre-screened offers from these guys...lol.

[mast]

Thanks for the link and this thread, a friend of mine has a 2 year old bankruptcy and applied for cap1 and was denied; I suggested to give this forum and this thread a try and bam approved for 3k!!!!!

[junior88]

Got my card in the mail yesterday. The cc company said they don't do cl increases automatically.....I would have to apply for one. As far as the Walmart card goes, what bureau do the check for credit scores?

I believe they pulled TU for my Walmart App.

[oneluckylady]

Thanks for the info got my first card post bankruptcy. Really hoping to rebuild. Thanks a million for the information.

[prettyobk]

My new Cap 1 card has a $300 limit. I'm glad BBRewards/HSBC and Capital One approved me because I wasn't sure I would get either. Just got my BB statement via email today.

[ItsJustMe]

Just applied for the husband. $300 limit. Not bad. Our first post BK card.

[ForTheBest]

Okay, finally got brave enough to apply. (This is the first card I've applied for since my discharge in January.) All the online response said was:



Everybody else's posts seem to indicate that they were advised of their credit limits immediately. Should I worry because I wasn't?

[jadams]

Go to hsbccreditcard.com -- on the right side is a "Check Application Status" link.

That should pull up your credit limit information.

(FYI: This link works for just about any HSBC product, so if you have other HSBC applications recent/outstanding, look carefully to see what product it's pulling up. I believe the top logo graphic is the only thing that changes to indicate what app it is.)

[ForTheBest]

Thanks so much for taking the time to post that, jadams.

Now that I know I was definitely approved ($300), I'll be able to sleep tonight!

[BobMango]

Just checked. Credit limit is $1500. 5 months post discharge and score from myfico last time I checked (April 2010) was 618.

I did get the HSBC MasterCard just before discharge, but the limit on that is $500. I've been using that one for gas and my netflix charges and pay it off each month. This one will be used just for rental cars and hotels when I have to travel.

I really didn't want credit cards after filing, but all the advice I can find indicates that you need multiple credit lines to rebuild and I'd like to buy a new house in 2-3 years, (provided the market has bottomed by then.)

[majicman50]

So it appears the link is real. It came from someone who had 1 post at the time to a direct link for credit.

It could have easily have been a scam.

Be careful.

Good looking out Logan!

[InaBigoleMes]

I've been approved!!!! 1st card post BK thanks so much for this thread.

[ohiojewel]

I did discharge a HSBC card with about a $2000 balance. Got approved for $100 credit limit on this one, which is fine with me. Was discharged in May and this is the first card I've applied for post-bk.