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Forums Payment cards Other payment cards HSBC Premier application (predictably) referred – procedure?

  • Skywalker 624 posts

    Morning, I applied for HSBC Premier and my application was referred, which I wholly expected due to an NOC on my credit file.

    Same happened with other credit card applications all went through fine, but their processes for follow-up seemed a lot clearer in terms of giving me a reference number, who to contact etc.

    HSBC’s procedure for referred applications does not seem very clear. I received a “referred” screen, but no application reference number, with a “We’ll be in touch for more info” type message. I didn’t receive a text message or an email stating ‘we’ve got your application’ or some such.

    I contacted HSBC Premier who stated that they could see my application, but informed me that no action had been taken on the application (and I can see no action has been taken, because my credit files have not even been sniffed at by HSBC). I asked them for an application reference number and they said they didn’t have one.

    So my questions – have you had an HSBC Premier application referred, and if so, what happened next? Did they contact you, or did you have to contact them.

    TIA

    PIL 98 posts

    It might take them weeks before they touch it. HSBC (and Premier) are not as good as they used to be. And I say that as an existing customer

    Skywalker 624 posts

    It might take them weeks before they touch it. HSBC (and Premier) are not as good as they used to be. And I say that as an existing customer

    The amount of issues I have had with this application already, I am genuinely regretting logging on to the HSBC website to make the application with them.

    WillPS 192 posts

    It might take them weeks before they touch it. HSBC (and Premier) are not as good as they used to be. And I say that as an existing customer

    …they’ve always taken absolutely forever to do anything haven’t they? I think it took over a month to get my HSBC and M&S Bank accounts open and over 2 months for First Direct (wanted to see payslips, ISTR). This was 5+ years ago.

    Skywalker 624 posts

    Unfortunately my application experience with HSBC has resulted in a very lengthy complaint due to impressive levels of incompetence 🙄

    PIL 98 posts

    Surprisingly player 2 submitted an application and got accepted with cards at home within 10 days….!

    Skywalker 624 posts

    @PIL, that is good and encouraging to hear. It seems they can deal with simple cases, but anything with a degree of complexity and this happens to their underwriting team.

    JDB 4,184 posts

    @PIL, that is good and encouraging to hear. It seems they can deal with simple cases, but anything with a degree of complexity and this happens to their underwriting team.


    @Skywalker
    – I hope you get your account opened! I think HSBC has always been quite tricky as it took me four months to open an HSBC Business account a while back when they had a very generous offer. A problem with an erroneous hyphen and title they couldn’t work out how to address. What always amazes me is that one reads of all these scams where they get victims to pay money into the wrong bank account and quickly remove it. Somehow these people seem to be able to open lots of bank accounts where genuine people struggle to open even one…

    irrepressible 2 posts

    I’m intending to apply for the Premier account – what would be best to do? Apply online or go into my local branch?

    Skywalker 624 posts

    @JDB – Thank you – it’s because of scammers why I am having these issues!

    Scammers were able to open various bits in my name (thankfully closed down quickly, but hence the NOC), and yet, the real actual person, as in, me – I cannot get a step beyond HSBC’s robots.

    I feel so let down by ‘the system’ right now.

    JDB 4,184 posts

    I’m intending to apply for the Premier account – what would be best to do? Apply online or go into my local branch?

    If you go into a branch they will usually tell you to call or apply online and you will only be asked to go into a branch if there’s a problem. If your affairs are very straightforward, you should get approved immediately online with cards sent within a week, but if there is anything a bit unusual or something that doesn’t quite tally when they check you out, the application will get rejected or referred for a manual review.

    irrepressible 2 posts

    I’m intending to apply for the Premier account – what would be best to do? Apply online or go into my local branch?

    If you go into a branch they will usually tell you to call or apply online and you will only be asked to go into a branch if there’s a problem. If your affairs are very straightforward, you should get approved immediately online with cards sent within a week, but if there is anything a bit unusual or something that doesn’t quite tally when they check you out, the application will get rejected or referred for a manual review.

    Many thanks – will give it a go and see how it pans out… 🙂

    PIL 98 posts

    I was very surprised also with such prompt response by HSBC (although it was not an instant approval and was referred for a further review).

    I would also recommend online application as the most straightforward solution. I was not having any high hopes for player due to my experiences with HSBC so far.

    I was initially accepted myself after holding an advance account for 3 months and had to demonstrate that my income was paid into the account plus having an investment (as this was the basis of my application). And on top of that I had to go through a lengthy telephone appointment to upgrade to premier (roughly 90 minutes).

    Is it worth it? I would say yes for the free travel insurance which we have already had to use twice so far. Also the global money account is good when abroad with very good rates.

    Furthermore, expat is an option worth exploring if you transact between jurisdictions and a Premier WE Elite makes the 2 year hiatus with Amex go quicker.

    Although very disappointed initially, the experience so far has helped to iron out the initial issues.

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