I applied for the above credit card. I got sent a letter saying I have been approved and to send two forms of ID together with the credit agreement.

I did this and got a rejection letter.

Upon further enquiery it transpired that HSBC do not credit check you until you have signed the credit agreement (totaly misleading) for online applications and they obtain a credit score given to them from experian - i.e. they do not look at your credit report themselves.