"Declined And Approved"
Discover® More® Card Review
Written by: brent91055 on 2012-05-10
Overall Satisfaction
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brent91055's review: 
I applied for this card through the discover website and was declined. Two days later I received a call from HSBC offering me their Direct Rewards co branded Discover Card with a 1K credit limit and $39.00 Annual Fee. My only problem so far is that when I called customer service to add an authorized user to the account, the CSR barely spoke english.
I applied for this card through the discover website and was declined. Two days later I received a call from HSBC offering me their Direct Rewards co branded Discover Card with a 1K credit limit and $39.00 Annual Fee. My only problem so far is that when I called customer service to add an authorized user to the account, the CSR barely spoke english.
6 Comments
Comment 1 by wanderer
Re: Declined And Approved 
on 2012-05-10
Welcome to credit via an alternative path. HSBC Discover is now Capital One as of May 1, 2012. You got the door open and as you know and can build credit with this card.
on 2012-05-10 Welcome to credit via an alternative path. HSBC Discover is now Capital One as of May 1, 2012. You got the door open and as you know and can build credit with this card.
Comment 2 by derek1061
Re: Declined And Approved on 2012-05-10
Congratulations. It just sucks that you weren't able to get a real Discover card because, Discover has much better customer service.
on 2012-05-10 Congratulations. It just sucks that you weren't able to get a real Discover card because, Discover has much better customer service.
Comment 3 by creditcardaddict
Re: Declined And Approved on 2012-05-10
I have my mortgage with HSBC will that change as well and become Capital One? Or just credit cards issued by HSBC.
on 2012-05-10 I have my mortgage with HSBC will that change as well and become Capital One? Or just credit cards issued by HSBC.
Comment 4 by wanderer
Re: Declined And Approved on 2012-05-10
First Niagra Financial Group from Buffalo, NY purchased HSBC USA Banking operations. HSBC was keeping its premier credit cards but I have seen nothing on mortgages. Since it is HSBC's goal to discontinue their USA Banking market, I would assume they would sell their mortgages.
on 2012-05-10 First Niagra Financial Group from Buffalo, NY purchased HSBC USA Banking operations. HSBC was keeping its premier credit cards but I have seen nothing on mortgages. Since it is HSBC's goal to discontinue their USA Banking market, I would assume they would sell their mortgages.
Comment 5 by roughdraft
Re: Declined And Approved on 2012-05-12
@Creditcardaddict, I noticed this on Capital One's webpage. It answers a lot of questions about the Capital One, HSBC aquisition. http://www.capitalone.com/creditcards/lp/welcome-faq/
10.Will this purchase affect my other HSBC accounts, such as my car loan or savings account?
No. If you have other types of HSBC accounts, they will not be affected as a result of this acquisition.
on 2012-05-12 @Creditcardaddict, I noticed this on Capital One's webpage. It answers a lot of questions about the Capital One, HSBC aquisition. http://www.capitalone.com/creditcards/lp/welcome-faq/10.Will this purchase affect my other HSBC accounts, such as my car loan or savings account?
No. If you have other types of HSBC accounts, they will not be affected as a result of this acquisition.
Comment 6 by creditcardaddict
Re: Declined And Approved on 2012-05-15
AHH okay I see. Thanks for the link and information!
on 2012-05-15 AHH okay I see. Thanks for the link and information!
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Disclaimer: This content is not provided by Discover Card. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Discover Card. Review content is powered by Finance Globe.
