Union Plus Card

Posted Sat July 11, 2009 2:05 pm, by Carol W. written to HSBC Bank USA

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I applied for a Union Plus Card because my father has been a union member for 40 years and he felt I should have the card.
I received the following response:


Reference Number:

In response to your application for a Union Plus credit card account issued by HSBC Bank Nevada, N.A.

Unfortunately we are unable to approve your application due to the following reason(s):
NUMBER OF REVOLVING ACCOUNTS WITH BALANCES
NUMBER OF BANKCARD ACCOUNTS
BALANCE TO CREDIT LIMIT RATIO ON REVOLVING ACCOUNTS

Our decision was based in whole or in part on information provided by a consumer-reporting agency. The consumer-reporting agency did not make the decision and is unable to provide specific reasons for our decision. Under the Fair Credit Reporting Act, you have the right to receive a copy of your credit report at no charge. To do so, please contact the agency listed below within 60 days of receipt of this letter:

EXPERIAN
National Consumer Assistance Center
P.O.Box 2002
Allen, TX 75013
(888) 397-3742

You have the right to dispute inaccurate or incomplete information in your credit report by contacting the consumer-reporting agency directly. If your credit file contains incorrect information or if your situation changes, please send us a copy of the revised credit report and we will be happy to re-evaluate your request.

If you have any questions, please contact one of our Lending Services Representatives at 1-800-651-5108. Please note that you will need the above reference number when you call.

Sincerely,
Lending Services Department
CDM010

Equal Credit Opportunity Act Notice

Why did you turn me down?
I have 3 credit cards and the total balance on all three is 35.00.

I just paid off my car and I have a student loan from nursing school.
I applied for this card to help build my credit and was hopeful that your company would be the one to do that for me.

I am so disappointed. Won't you please reconsider your decision?

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Re: Union Plus Card by Carl C. Posted Mon July 13, 2009 @ 8:08 AM Hi Carol, I'm the member advocate for Union Privilege. We're the organization that developed and coordinate the Union Plus credit card benefit. If you'd like me to investigate this issue on your behalf, please contact me directly at 800-472-2005 Ext. 835 or ccalabro@unionprivilege.org and I'll be happy to do so. I'm looking forward to helping you get this matter resolved. Carl Calabro Member Advocate Union Privilege (member, OPEIU local 2) Reply " If you have any questions... 1-800-651-5108" by Donno Posted Sat July 11, 2009 @ 3:05 PM So, did you call? I have been declined in the past, called the number and resolved the problem. I doubt using a third party website is the best way to approach this problem. Why not call them as they suggested? Good luck. Reply