HSBC is one of the world’s largest banks and so has the expertise and support that goes along with this, such as 24/7 customer service, fraud detection and global acceptance.
It also offers a range of cards with clear interest rates and charges to suit a variety of financial needs, while providing an innovative reward scheme with holidays, shopping, eating out and fun experiences on offer.
Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
HSBC has a range of cards to suit most financial needs, whether you are looking to pay off existing debt or want an everyday card for daily spending.
A good company to deal with. It’s easy to apply and the interest rates are competitive.”
With HSBC you have three routes of application for a credit card: online, by phone or in store. If you opt for online, you should look at eligibility requirements and then apply with a free no-footprint credit report which is not seen by other firms.
Every application is looked at by HSBC on an individual basis but the basic eligibility requirements give you an idea of whether you will be able to apply. These are:
If you are rejected, HSBC recommend getting a credit report from one of the major credit agencies to check why you have been rejected.
On the whole, if you meet the eligibility requirements but have a history of bad debt or no credit history at all, you may be rejected. Equally if you are in an IVA or have had a CCJ you may not be accepted. If you have ever declared bankruptcy you are also unlikely to receive a card.
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