| Author |
Message |
|
Options 
Bookmark online
|
gobah@att.net
Guest
|
|
Subject: hsbc/rs credit card
|
|
|
Sun Nov 11, 2007 1:55 pm
|
|
|
| Collection agency has listed their name in my credit report for my outstanding debts on HSBC/rs credit card. I want to repay them off and improve my credit score. How can I go for credit card consolidation by my own? Any help would be greatly appreciated? |
|
|
debtstinker
Joined: 03 Nov 2007
debtstinker's page
Posts: 302
1 Magic Points
|
|
|
|
|
Sun Nov 11, 2007 4:16 pm
|
|
|
Ok, first of all welcome here....secondly are you looking for contact information for hsbc? the phone number for them and i got this off their website is 1.800.975.HSBC (4722)
without knowing what account you have on your report it's difficult to say what you should do. From an objective standpoint, pull your credit report and begin a dispute...surely there's someone/representative that can assist you with this. I don't know where you pulled your report from, but whatever the company contact them immediately. Let us know some more info...such as what exactly you found on your account, maybe we can help further. good luck |
|
|
goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
|
|
|
|
|
Sun Nov 11, 2007 5:10 pm
|
|
|
| Welcome, welcome to the forums. great job there debtstinker, rounding up information pretty quick. Hopefully it will help gobah out, hopefully he or she will come back and let us know. |
|
|
sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
|
|
Subject: credit card
|
|
|
Sun Nov 11, 2007 8:00 pm
|
|
|
| I have a HSBC/Orchard credit card. The one I have is for 'bad credit'. I applied for it about a year ago. Did you have ANY accounts though Orchard ( or Beneficial?). |
|
|
goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
|
|
|
|
|
Sun Nov 11, 2007 10:08 pm
|
|
|
| Are they all through the same company? |
|
|
sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
|
|
Subject: loan
|
|
|
Mon Nov 12, 2007 5:57 am
|
|
|
| I DO believe that Beneficial/Orchard credit card is through the same company. I DO know that Beneficial/HSBC is the 'same' place. |
|
|
SunDevilsFan
Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 189
Location: Sunny Arizona
6612 Magic Points
|
|
|
|
|
Mon Nov 12, 2007 6:32 am
|
|
|
HMMM... Everytime I pulled my cr I always located a phone number somewhere on the report that referenced all my cards and other loans...
Have you tried googling the card? To find out any contact info? Just wondering.... |
|
|
debtstinker
Joined: 03 Nov 2007
debtstinker's page
Posts: 302
1 Magic Points
|
|
|
|
|
Mon Nov 12, 2007 1:34 pm
|
|
|
| sd i think so too. i had a card like that with a $300 credit limit and a pretty hefty annual fee. it is for blemished credit. I canceled it as soon as I got a better card. that's a good idea sun...get the information from the credit report, that's probably the most accurate info. |
|
|
goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
|
|
|
|
|
Mon Nov 12, 2007 8:57 pm
|
|
|
| Yeah anytime you hear those names you can almost bet there is a large intrest rate and probably crazy fees to go along with it. My hubby always recieves these offers in the mail, they go straight to the garbage and straight to the fire. I figure with the new car payment and the house payment, those should be enough to raise our scores. I don't need another credit card right now to get behind on, LOL. |
|
|
desiree15
Joined: 10 Nov 2007
desiree15's page
Posts: 42
936 Magic Points
|
|
|
|
|
Tue Nov 13, 2007 12:40 am
|
|
|
| credit cards can be very intimidating. before i got my capital one i would get all sorts of offers and i think to myself, why would i pay $150 for the priveledge of having a $300 card?? I waited and finally got a decent deal and am working on building my credit now. i started later in life with the credit cards...i got my first one this year and i'm 24 |
|
|
debtstinker
Joined: 03 Nov 2007
debtstinker's page
Posts: 302
1 Magic Points
|
|
|
|
|
Wed Nov 14, 2007 1:38 am
|
|
|
| You are very fortunate! Better late than never as far as beginning your credit history and I agree that paying lots of fees just for having a card does not make much sense but many people wiht damaged credit must do this. I had a girlfriend in college who filed for bankruptcy and I believe that she had to utilize one of those types of cards. now she's doing ok. it didn't take her long to get back on track but it did take some time. so while i think it's great that there are cards out there designed to help people get back on track, i think those fees are wrong. seems like they are taking advantage of an already bad situation. |
|
|
sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
|
|
Subject: credit cards
|
|
|
Wed Nov 14, 2007 5:14 am
|
|
|
| Well..right now, this card is a 'good thing for me'. I know I won't owe a ZILLION dollars in credit card debt..LOL I know people have their own opionions on certain things. I just say, "whatever works for YOU". Hope this makes sense. |
|
|
SunDevilsFan
Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 189
Location: Sunny Arizona
6612 Magic Points
|
|
|
|
|
Wed Nov 14, 2007 6:23 am
|
|
|
| I think so debtstinker.... companies take advantage of people in need... and charge outlandish interest rates to boot!! |
|
|
Susie
Guest
|
|
Subject: HSBC account
|
|
|
Tue Dec 18, 2007 6:45 pm
|
|
|
| I noticed a lot of people has an Account from HSBC that they don't know they have. I only have 2 credit cards i use and all of the sudden there's an HSBC credit card on my account. which shows more than 3 times late. |
|
|
Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17417 Magic Points
|
|
|
|
|
Thu Dec 20, 2007 7:20 am
|
|
|
What are the cars that you have Susie? Did you ever apply for any in store card that was on offer? Any that you applied for but never used?
_________________
Where there's a will, there's a way !! |
|
|
