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

[BGentle106]

aprroved

got approved for this card for $100 2 weeks ago didnt show up on my transunion is this typical

[lookitsmikel]

Hey Mike, are all people "opted in" by default or do you have to opt in to get offers?

I THINK that you are "opted in" by default... I however did not start receiving offers until I opted in, but I may have opted out at one point in time...

Regardless if you know you want the offers it wont hurt to "opt in" even if you already are.

[rose1]

Hey Mike, are all people "opted in" by default or do you have to opt in to get offers?

[lookitsmikel]

Yay I'm so happy. After much hassle! We had to submit 3 applications before we got one approved... everytime I did the online verification it kept denying him saying they couldn't verify his information. He has no credit and just got a green card last year so they were asking questions like how much was the auto loan you got in 2002... and every time I said N/A it was coming back as unable to verify.

But the third time I did the app I said I would confirm later and I called them with him. And the phone verification actually worked this time. So, I'm excited and so is he. He has his first US credit card. 100 dollar limit... but hey, he has something in his name only. I had him added to my hooters card, but authorized user doesn't have the same impact on the credit report as something in your name.

Congrats! Too bad it was so much hassle, but great that it all worked out in the end! Give it a few months to start reporting with positive history, and he should be able to start getting some much better offers!

He might want to go to https://www.optoutprescreen.com and OPT IN (not out) to pre screened offers. Although he will end up with tons of junk mail, he will eventually start receiving pre approved credit offers. This way you'll have a pretty good idea when he can apply for a better card without a bunch of hard hits.

[Amy26]

Yay I'm so happy. After much hassle! We had to submit 3 applications before we got one approved... everytime I did the online verification it kept denying him saying they couldn't verify his information. He has no credit and just got a green card last year so they were asking questions like how much was the auto loan you got in 2002... and every time I said N/A it was coming back as unable to verify.

But the third time I did the app I said I would confirm later and I called them with him. And the phone verification actually worked this time. So, I'm excited and so is he. He has his first US credit card. 100 dollar limit... but hey, he has something in his name only. I had him added to my hooters card, but authorized user doesn't have the same impact on the credit report as something in your name.

[lookitsmikel]

I just applied for my husband via the link ... It said the app was under review and I should hear back within 10-14 days... it also had me do identity validation... is that a good sign?

It would be super awesome if my husband got approved because he has no credit and we really need to get his established.

This happened to me as well when I first applied. They just needed to verify my phone number and some other things.

Give them a call at 1 (877) 277-0948, they should be able to help you and give you a quick answer.

When you filled out the application, it automatically calls the phone number you provide to verify it is a real number. If you don't answer, sometimes it wont approve you instantly from what the lady told me.

Hope this helps!

[Amy26]

I just applied for my husband via the link ... It said the app was under review and I should hear back within 10-14 days... it also had me do identity validation... is that a good sign?

It would be super awesome if my husband got approved because he has no credit and we really need to get his established.

[mikemike]

WOW! thank you! I got denied for cap one and hooters and finally got approved for the rewards gold with a $100 limit. I mean is nothing but something is something to build on. Thank you

[rose1]

Thanks OP. Just got approved with a $300 limit. Kinda low but for no annual fee, you can't beat this offer. My apr is 22% My First premier and Cap1 all have annual fees. Cap1 is $39 and FP is $75. I'll be getting rid of the FP card as soon as it's time to pay the annual fee again.

[whipster1]

Nice rebuilder card...hope she grows a bit

[lilab18]

Look,

Thank you. I was actually approved with a $300 credit limit. Credit card debt was not the reason for my BK, but I do understand the need to rebuild my credit.

[lookitsmikel]

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.

Haha- Good call... Now I understand! I normally dont speak up very often, just listen to what others have to say on here, but I thought that this might actually help someone. Thats why I only had one post at the time...

But Logan, you have a very good point... People do need to be careful of that, you never know who you are giving your SSN out to. We dont need to mess up our credit any more then we already have!

[Logan]

I agree that this might hurt SOME people, but for others this could help their credit... It helped mine, and it is no worse then the Orchard Bank, or First Premier cards that everyone on here is paying $39-$99 yearly fees on...

The APR is high becuase it is a rewards card, but so are the rest of the sub-prime cards...

What do you feel makes this card different from the rest? Why is this one so bad? Maybe I missed something.

Again, I wouldnt say this card is for everyone, but I think it's a better starting point then First Premier for those just beginning to rebuild.

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.

[Amy26]

I have the gold one as well with a 500 limit... I think I have the one with the 39 annual fee though... but, its only 39 bucks. I haven't had any issues with it and I am really glad to have the two cards I have. You only need 2 major credit cards to rebuild anyways.

[lookitsmikel]

Oh my gosh......I got APPROVED $300Limit and its the regular reward card!!!!!!!!!!! My FIRST real rebuilder card. Gosh..I wish I would of found this before applying for Credit One Visa.




Thanks Look...you rock!!!

Tanya

Congrats! Glad I was able to help someone!