Applied HSBC DR card last night and got approved online (was asked several ancient questions in 1986 before the final answer: approved).

Just called the 800 number GP listed above, the credit limit is $15K (have no idea about my FICO recently, but I have about $80K 0% balance from an BofA/MBNA account and a Chase account). Figure my FICO might be around 760 or so.

Note: I plan to use it just as a backup, when Chase decides to "enhance" their 5% card (Reward Plus/Cash Plus). The annual rebate payout may be a show-stopper for this HSBC DR card, who knows what will happen in a one-year period?

SUCKISSTAPLES said:Anyone who applies and gets approved for this card please post the credit limit HSBC issues you. They are notorious for low (under $1000) limits.

I applied for the famous 2% Cash Back card and got $1,000 limit. Within a year, they bumped me up to $3,000 now. So while they start low, they do give you a credit limit increase every 6 months.

Grifman said:LukFilm said:I applied for the famous 2% Cash Back card and got $1,000 limit. Within a year, they bumped me up to $3,000 now. So while they start low, they do give you a credit limit increase every 6 months.

So exactly where/how did you apply for this? I've never found a link for it.By invitation only. Read the discussion here.

Wish I was invited.

Approved instantly - mid 700's FICO - will post credit limit when I find out.

BTW - no A-O-R's in my past . . . just a single application about a week ago is the most recent (also approved). I have SOME 0% money on existing cards but overall utilization is less than 50%.

also applied online, instant approval.

I got a regular offer in the mail for a HSBC Cash Back Card. Applied and only got a $ 750 credit line. FICO score is 650 per Experian, applied for a mortgage and some credit cards lately, took a hit on my credit score.

Applied for Mortgage $ 22,500

applied for Citi Premier Pass AMEX $ 3,300

applied for Citi Platinum - Declined

Found out today that the credit line is $4K. Smallest CL of any card I own.

So are we now sure that directrewardscard.com is NOT a phishing-type scam? Seems like it has a pretty big Google Adwords advertising budget to be a scam.

Does the card really look as cheesy as it does in the pictures on the website?

Previously: a MBNA reported mid-cycle with 99% CL usage (most of it due to BillPay). At some point, after statement closed, Experian (which HSBC previously pulled for me) came back to $0 (the other two reports did not) on that card so I jumped on it (way too soon...).

Insta-denied, I was referred to the Orchard card selector. Otherwise FICO scores a little bit short of 700's, mainly because of short history ( about 15 months). I already have a no-fee, 0% (12 mos) Orchard card following a mailed preapproved offer.

A day after I found out they in fact pulled EQF. Easier to get rid of, but I now have to wait until their system will allow me to apply again.

By the way, does anyone know their restrictions to multiple (or sequential) applications?

Edit: to answer this question, I started a dedicated thread: this one

Has anyone tried converting the GM Card to this? My credit limit on that is a paltry $1000. (Although I deposited a $500 convenience check that was deposited to my savings but never showed up on my CC statement, as far as I can tell - that's a pretty nice reward if it continues.)