WalletHub, Financial Company
@WalletHub
There’s no way to proactively check if you pre-qualify for an HSBC credit card. Sure, HSBC mails pre-approved credit card offers to potential applicants whose basic credit profiles indicate they will have a very good chance of getting approved. But you can’t request one. HSBC credit card pre-approval is invite-only, in other words.
But even though HSBC won’t let you check whether you pre-qualify, you can still take similar steps to determine whether applying is a good idea. Basically, you can pre-qualify yourself for an HSBC credit card by seeing how well you meet your chosen card’s approval requirements. Just bear in mind that official pre-approval typically gives you a roughly 90% chance of actually getting an account when you apply. So, barely meeting a card’s minimum requirements may not cut it.
Here’s how to (pre) qualify for an HSBC credit card:
- Most HSBC credit cards require excellent credit. Generally, excellent credit begins at 750. Your approval odds won’t be very good if you barely meet a card’s minimum requirements, after all.
You can check your latest credit score for free on WalletHub. - You must demonstrate the ability to pay an HSBC credit card’s monthly bills. Unfortunately, that’s hard to estimate because HSBC doesn’t disclosure its cards’ minimum credit limits.
- You need $75,000+ in an HSBC Premier checking account to get either the HSBC Premier World Credit Card or the HSBC Elite Credit Card.
In short, there’s no way to tell if you pre-qualify for an HSBC credit card. But if you excellent credit, applying for an HSBC card might be worth a shot. If your credit is bad, fair, or limited, don’t worry. You may not be eligible for one of HSBC’s credit cards, but there are still plenty of offers from other issuers.
Raymond Black, Member
@blackraymond3
The only way you'll know is if you get the letter in the mail. Otherwise, just make sure your score is above the minimum requirement, and hope for the best.
People also ask
Did we answer your question?