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Another Credit Card rant

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  1. #11

    Join Date
    May 2006
    Posts
    340

    I'm a gwailo and HBSC gave me VISA credit card even during my probation period in my company.


  2. #12

    Join Date
    Feb 2007
    Location
    Tai Kok Tsui
    Posts
    997

    I understand that HSBC is not the only bank, but it was the first bank that I went with since I was an HSBC customer in Canada. I applied many times because the first time it was that I didn't have proof of income, 2nd time was I needed to wait 3 months, 3rd time insufficient income, 4th time was now this. Had I knew from the start that even with my income and my contract they would not give me a credit card, I wouldn't of applied the 2nd, 3rd, 4th. And now I am looking for other banks, not just for a credit card but for my personal finance.

    For the Advance Platinum card, I do not meet the sufficient income requirement.


  3. #13

    Join Date
    Jul 2004
    Posts
    1,223
    Quote Originally Posted by IMJuksing:
    Bryan, that sounds weird. With an Advanced account, there is a HSBC Advance Platinum card that is pre-approved. I signed up for the Advanced account about 3-4 weeks ago, and got my Visa card last week - pretty quick IMO. Originally, I was informed that I would not need to submit any proof of income, however, a week after applying, I got a letter from the credit department stating that they would need a copy of my employment contract. A week after faxing my contract, I got the card in the mail. On top of that, I was not asked to show 3 months proof of income, and my contract just started.

    Maybe it would be better to speak with another representative from another branch, and ask what they mean by 'pre-approved' platinum card.
    That is exactly my experience too. In fact I applied on 1st March and got the card in the post yesterday. They did actually reject my wife's card application, but only because the bank staff filling in the form must have applied for a separate card for her, rather than a secondary card on my account. One phone call and this was sorted out.

  4. #14

    Join Date
    Jul 2004
    Posts
    1,223
    Quote Originally Posted by BryanL:

    For the Advance Platinum card, I do not meet the sufficient income requirement.
    They don't seem to list one?

    http://www.hsbc.com.hk/1/PA_1_3_S5/c...lcome_pack.pdf

  5. #15

    Join Date
    Mar 2008
    Location
    Somewhere in Kowloon
    Posts
    16

    Not sure if this helps or not, but I applied using my Canadian Passport


  6. #16

    Join Date
    Jan 2008
    Posts
    11,711
    Quote Originally Posted by BryanL:
    I understand that HSBC is not the only bank, but it was the first bank that I went with since I was an HSBC customer in Canada. I applied many times because the first time it was that I didn't have proof of income, 2nd time was I needed to wait 3 months, 3rd time insufficient income, 4th time was now this. Had I knew from the start that even with my income and my contract they would not give me a credit card, I wouldn't of applied the 2nd, 3rd, 4th. And now I am looking for other banks, not just for a credit card but for my personal finance.

    For the Advance Platinum card, I do not meet the sufficient income requirement.
    are you still loyal to HSBC now that your have been rejected 4 times? HSBC may have good promotions, but if their service stinks, why choose them? if i was you, i threaten to close your acc and choose any bank if this carries on.

  7. #17

    Join Date
    Dec 2002
    Location
    θ–„ζ‰Άζž—
    Posts
    47,971

    >> Or another bank! FFS.

    Exactly. Do you really want to deal with the world's local bank when they cannot be consistent between two branches across the street from each other...


  8. #18

    Join Date
    Feb 2007
    Location
    TKO
    Posts
    236

    I have my payroll and investment account with HSBC and after initial hiccups it is running smoothly. But I do not have a CC with them, the bonus program sucks.
    A CC does not need to be with the same bank you have you payroll account with.
    I was happily accepted at Citibank, DBS, Fubon and Amex directly :-)

    Last edited by caipiroska; 18-03-2010 at 05:23 PM. Reason: typos

  9. #19

    Join Date
    Mar 2008
    Location
    Somewhere in Kowloon
    Posts
    16

    FYI. I just checked my credit card application form for the Advanced account. Apart from choosing your 'Choice of Credit Card', there is also another check box for:

    "Please indicate if you wish to accept a Visa Platinum Card / gold card / classic card if you are not offered an HSBC Advance Visa Platinum Card / Visa Platinum Card/ gold card. .... " followed by a checkbox list of all cards they offer.

    I mean, if a full time university student with no source of income can successfully apply for a classic card, logic would dictate that you be able to also.

    Anyways, on another note, I also opened a Preferred Account at Hang Seng bank, which is equivalent to HSBC's Advanced, a week after signing up with HSBC. Same sign up process and offering a pre-approved credit card, but I didn't have to provide proof of income, they just asked what was my salary, what I did, and if I owned or rented - and how much. I picked up my master card 2 days ago (Tuesday). No hassles.


  10. #20

    Join Date
    May 2008
    Posts
    325

    No bank* in HK will give me a credit card, I've even got my credit report online to see why and there's no huge scare stories on that at all.

    I've given up now, I transferred my AMEX card frm back home and they were really helpful to me, and at least with that card I can't spend more than I can pay back.

    *ok, just HSBC and DSB. I gave up after that


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