The HSBC Gold Credit Card credit limit is between $500 and $25,000. Approved applicants get at least $500, but the higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.
The HSBC Gold Credit Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase either online, or by calling the HSBC customer service number on the back of your card. But it’s best not to do that more than once a year as requests for credit limit increases trigger hard inquiries on your credit report.
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.… read full answer
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.
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.
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