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Credit Card Application

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I was wondering what people were thinking of the letter I received from HSBC regarding a recent credit card application I had with them.


In March I applied for a HSBC credit card in order to do a balance transfer after checking playing like Money Saving to see how eligible I was and came back 90/95%. After getting the reference number saying my application was being processed I left it at that expecting an email within the 5 days they would let me know.


After over a week I heard nothing I called them to check. It was on this occasion I was told they had no record of my application. Unfortunately I didn't make a note of the first reference number but I never needed this before


. After speaking to them they said the issue was I said that I had an account with them when I said I didn't. I have a mortgage with them and never thought of this as an account as such like an current account. It was only when I I was on the phone to them I looked at my mortgage reference number I never realised the 14 digit number was a sort code and account number together.


I told them I was going to leave it then and got a credit card through the Post Office paid in 3 days!


SI left it and then I got a letter from HSBC telling me my application had been unsuccessful.


Funny that considering they said I hadn't applied.

A month or so later I got a letter saying you have been successful in my credit card application! I didn't apply again and it appears that they randomly reapplied for me hence the attached letter.


To me it seems they are running a little scared as they are offering me £100 in compensation. Yes this would be nice but I would think banks usually offer a minimum compensation and I'm wondering if I take this to the Financial Ombudsman may they be in bigger trouble and have to compensate me much more.


Just wondering what peoples views on this are?



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