How to cancel an HSBC credit card without calling
HSBC International Money Transfers

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 APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
12.74%, 16.74% or 20.74% variable
0% for the first 18 months from account opening (then 12.74%, 16.74% or 20.74% variable)
$0
An 18-month 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
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$995
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.
24.74% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
23.9% variable
$75 annual fee for the first year ($99 thereafter)
With this card you get a 23.9% Variable APR.
19.74% to 25.74% variable
$0 to $99
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
$0
Earn more cash back for the things you buy most.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
16.74% to 24.74% variable
$0
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

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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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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

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