Comments on: HSBC Does a Pre-Emptive Strike on My Wife http://www.creditwithdrawal.com/wordpress/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/ Helping You Kick the Credit Habit, One Good Idea at a Time Thu, 31 Dec 2009 04:56:04 -0700 http://wordpress.org/?v=2.8 hourly 1 By: Shawna http://www.creditwithdrawal.com/wordpress/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/comment-page-1/#comment-1931 Shawna Sun, 01 Jun 2008 22:02:39 +0000 http://www.creditwithdrawal.com/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/#comment-1931 I had a similar thing about 6 months ago with HSBC. Only they closed the card! It just had a $500 limit and had not been used in years. All of a sudden they just sent me a letter saying that they had closed it after reviewing my credit history. And I have been paying off debt, so I know it was not due to anything negative on my credit report. I chalked it up to them being scared I might decide to utilize the credit in this economy and not pay it off. Shawnas last blog post..<a href="http://www.bumblefucked.com/2008/05/29/free-movie-screenings/" rel="nofollow">Free movie screenings</a> I had a similar thing about 6 months ago with HSBC. Only they closed the card! It just had a $500 limit and had not been used in years. All of a sudden they just sent me a letter saying that they had closed it after reviewing my credit history. And I have been paying off debt, so I know it was not due to anything negative on my credit report. I chalked it up to them being scared I might decide to utilize the credit in this economy and not pay it off.

Shawnas last blog post..Free movie screenings

]]> By: Randall http://www.creditwithdrawal.com/wordpress/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/comment-page-1/#comment-1923 Randall Fri, 30 May 2008 19:15:34 +0000 http://www.creditwithdrawal.com/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/#comment-1923 @Greta, Aren't they just the most HELPFUL bunch in the world?!?? Kind of like throwing a little more cheese in the mousetrap. Randalls last blog post..<a href="http://www.creditwithdrawal.com/2008/05/30/ask-the-reader-what-are-your-vacation-plans-this-year/" rel="nofollow">Ask the Reader - What are Your Vacation Plans this Year?</a> @Greta, Aren’t they just the most HELPFUL bunch in the world?!?? Kind of like throwing a little more cheese in the mousetrap.

Randalls last blog post..Ask the Reader – What are Your Vacation Plans this Year?

]]> By: Greta http://www.creditwithdrawal.com/wordpress/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/comment-page-1/#comment-1922 Greta Fri, 30 May 2008 19:02:03 +0000 http://www.creditwithdrawal.com/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/#comment-1922 Totally the opposite of my experience. I got hit with a Universal Default Clause ages ago (sidebar: if you have the option of taking out student loans or putting that jug of milk on the credit card, take the student loans) and my interest rate went from 3% to 29.99%. I contacted the CC company and asked what I needed to do to get it lowered. They said get in good standing for 6 months and contact them again. I did. At the 6 month mark they said that they had increased my credit limit (in an effort to help my credit score, how nice). I said I don't need any more rope to hang myself with, I need a lower rate so I can actually pay this thing down. "I'm sorry ma'am we can only do one nice thing for you every six months. Call us back in six months." Every 6 months for 3 years, they increased my limit and refused to lower the interest in spite of the fact that there is no activity on that card at all since that point. The bastards. Totally the opposite of my experience. I got hit with a Universal Default Clause ages ago (sidebar: if you have the option of taking out student loans or putting that jug of milk on the credit card, take the student loans) and my interest rate went from 3% to 29.99%. I contacted the CC company and asked what I needed to do to get it lowered. They said get in good standing for 6 months and contact them again. I did. At the 6 month mark they said that they had increased my credit limit (in an effort to help my credit score, how nice). I said I don’t need any more rope to hang myself with, I need a lower rate so I can actually pay this thing down. “I’m sorry ma’am we can only do one nice thing for you every six months. Call us back in six months.” Every 6 months for 3 years, they increased my limit and refused to lower the interest in spite of the fact that there is no activity on that card at all since that point. The bastards.

]]> By: Mrs. Micah http://www.creditwithdrawal.com/wordpress/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/comment-page-1/#comment-1917 Mrs. Micah Thu, 29 May 2008 21:39:46 +0000 http://www.creditwithdrawal.com/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/#comment-1917 Yeah, that would be annoying. Just like I don't plan to have credit, but I want a credit score and history even. Yeah, that would be annoying. Just like I don’t plan to have credit, but I want a credit score and history even.

]]> By: philip http://www.creditwithdrawal.com/wordpress/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/comment-page-1/#comment-1916 philip Thu, 29 May 2008 13:52:13 +0000 http://www.creditwithdrawal.com/2008/05/29/hsbc-does-a-pre-emptive-strike-on-my-wife/#comment-1916 Wow... Intriguing opening! Now go sell that missile that fell for scrap metal for some free money! Anyway, it is really just annoying how they do this sort of thing. I have tried to get credit card limits increased, both from chase. One card they raised to my request, the other they increased $100 and said they could not do more, strange indeed. Wow… Intriguing opening! Now go sell that missile that fell for scrap metal for some free money!

Anyway, it is really just annoying how they do this sort of thing. I have tried to get credit card limits increased, both from chase. One card they raised to my request, the other they increased $100 and said they could not do more, strange indeed.

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