New Card FAQs

About HSBC

• Who issues the HSBC Credit Card?

  The HSBC Card is issued by HSBC Bank Nevada, N.A. or HSBC Bank USA, N.A. and is serviced by HSBC Card Services, Inc., and/or HSBC Card Services (II), Inc.

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• Who is HSBC?

  HSBC is one of the world's largest financial institutions and largest credit card issuers with over 50 million customers nationwide.

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• Who should I contact if I have questions about other HSBC Accounts or products?

  For questions regarding checking, savings, personal loans, mortgages and other HSBC Accounts, call 1-800-975-HSBC.

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• Who should I call if I have a question regarding my HSBC checking, savings, mortgage or other banking HSBC account?

  Please call 1-800-975-HSBC (1-800-975-4722) if you have a question regarding your other HSBC banking accounts.

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Approval

• Am I guaranteed to receive a credit card?

  No. By applying for a credit card you authorize HSBC to obtain a current credit bureau report about you and to verify the information provided on your application. Approval is pending review of this and other information. If we are unable to open an Account for you, you will receive a letter explaining our decision.

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• When will I receive my HSBC card?

  You'll receive your card within 10 business days of approval.

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• Will I receive a Personal Identification Number (PIN)?

  Yes, you may be eligible to self-select your own PIN after your card has been activated. If you choose not to self-select a pin, or you are not eligible to self-select a PIN, a PIN will automatically be sent to you.

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• Can I use my new HSBC Credit Card for making purchases outside the U.S.?

  Absolutely. You can use it anywhere MasterCard is accepted.

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Qualifying

• What are the qualifications for getting a credit card?

  In order to qualify for a credit card, you must be at least 18 years of age. Credit approval will be determined upon review of your current credit bureau report and other information bearing on your creditworthiness. You will be notified of our credit decision by mail.

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• Do I have to be a U.S. resident to have an Account?

  Yes, you must be a U.S. resident and be of legal age in your home state.

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Card Security

• Card Security

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Secured Card

• What is a Secured Card?

  an excellent option for people with no credit history, or who have experienced past credit problems. HSBC secured credit cards look and work just like any other credit card. Only you and HSBC will know that the card is secured.

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• How do I get a Secured Card?

  To determine if the Secured Card is the right credit card for you, please click on Apply Now to use our Credit Card Selector service. You supply the information required to apply for an HSBC MasterCard®, and then we provide a recommendation on the card custom suited to you before you continue with the application process. It's so simple and easy!

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• How can I qualify for a Secured Card?

  Even if you have no credit history in the United States, or your credit history is less than perfect, you have an excellent opportunity to be approved for an HSBC Secured MasterCard® if you meet the following general guidelines:

  • Legal age in the state of your residence,
  • A telephone in your home,
  • Reside in the United States
  • Have a valid Social Security Number

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• What will my Credit Limit be for a Secured Card?

  With an HSBC Secured MasterCard®, you can set your own credit limit! The minimum deposit required is $300, with a maximum deposit of $15,000. Upon approval, you will receive a credit limit equal to 100% of your deposit.

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• Can I add to my Savings Account to increase my Credit Limit?

  Yes. At any time after your account is opened, you may send in deposits of $100 or more in increments of $100 to add to your secured savings account. Each addition to your savings account will increase your credit limit dollar for dollar. Maximum deposit is $15,000.

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• Can I withdraw money from my Savings Account?

  The savings account acts as collateral for your Secured Card, so you may not withdraw money from the account while your credit card is secured

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