How to cancel an HSBC credit card without calling
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How to cancel an HSBC credit card without calling

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You’ve paid off your credit card and put a stop to autopay. But closing your account isn’t as simple as cutting up your card.

Calling to cancel your account can take time. Representatives are trained to convince you to stay by offering perks and gifts, requiring you to decline three or more times before you’re free.

Before canceling your HSBC credit card by phone, here’s an alternative to get the ball rolling in minutes.

Can you cancel your HSBC credit card without calling?

The short answer: Maybe.

To at least start the process of canceling your HSBC credit card without picking up the phone:

1. Log in to your HSBC account.
2. Click the BankMail link to the left of your screen.
3. Choose Other as the subject of your message. In your message, include your credit card number and state that you want to close your card.

If you can’t cancel your card online, call 888-385-8916 to reach HSBC’s credit card support line.

What to expect when you call to cancel your card

Whether it’s to clean out your wallet or gain control of your finances, know your reason for canceling before you call. Any representative you speak to will try to convince you to stay and could even forward you to HSBC’s customer retention division for more persuading.

Credit card companies don’t want to lose you, and so they make it difficult to cut ties.

Have a game plan

Before you pick up the phone, know if more perks or a lower APR could entice you to stay.

Above all: If you’re sure you want to close you account, strongly say no to any enticing deals the rep throws your way.

Before trying to cancel your Capital One credit card, prepare by reading our guide to canceling your credit card.

Will canceling my HSBC credit card affect my credit score?

It could. Credit bureaus determine your creditworthiness by looking at your payment history and the age of your credit. But they also look at how much credit is available to you compared to how much you’re using — known as a credit utilization ratio.

Closing a card with a high spending limit and $0 balance can temporarily increase your ratio, resulting in potential creditors seeing you as a higher risk.

In general, credit bureaus like to seeAfter you’ve canceled your credit card your credit utilization ratio at 30% or below. If you’re looking to get control of your finances, it may help you to keep your $0 balance card open and just stop using it.
How does a credit utilization ratio affect my score?

After you’ve canceled your credit card

After you’ve canceled your card online or by phone, send a written letter to HSBC with your cancellation request. Include your credit card number and account number.

Send your signed letter to:

HSBC Bank USA, N.A.
PO Box 2013
Buffalo, NY 14240

Get a new card that you’ll love

If you want to close your credit card because it doesn’t fit your needs, you may want to find a new credit card that better suits you. The chart below allows to to compare cards and find one that has the features you want. Click the Compare buttons to get a side-by-side comparison of the cards you select.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$450
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$550
None (Charge Card)
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$0
13.99% variable
0% for the first 15 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
An 18 months 0%% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$0
16.24% to 22.24% variable
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% fixed
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$35
19.39% variable
A secured Visa® credit card that helps you build your credit quickly.

Compare up to 4 providers

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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First Access Visa Card®
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2 Responses

  1. Default Gravatar
    RameshApril 12, 2018

    How to cancel credit card?

    • finder Customer Care
      JhezelynApril 12, 2018Staff

      Hello Ramesh,

      Thank you for your comment.

      If you’re inquiring about cancelling an HSBC credit card, you can follow the steps above. You must make sure that you have paid off the (outstanding) balance of your card, transfer rewards points (if there’s any) and then contact your provider. You must make sure you’re closing or terminating the card gracefully so this would not give a high impact to your credit score.

      For a guide, you may check this page. I hope this helps.

      Regards,
      Jhezelyn

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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