How to cancel an HSBC credit card without calling

Find out how to close your HSBC credit card account, and compare new cards now.

How to cancel your card Ways to cancel
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You’ve paid off your credit card and put a stop to your direct debit payments. 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 cancelling your HSBC UK credit card by phone, here’s an alternative to get the ball rolling in minutes.

How to cancel your HSBC credit card without calling

As a HSBC customer, you have several options for cancelling your credit card.

  • Online. Log into your HSBC account with online banking. Send HSBC a secure e-message telling it what card you would like to cancel. HSBC will then reply to inform you of the next steps.
  • In branch. Visit your local branch with your credit card and valid identification (eg passport, driving licence).

Will cancelling my HSBC credit card affect my credit score?

It could, but it all depends on your lender. Credit bureaux 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; this is known as a credit utilisation ratio.

Credit utilisation is the percentage you use of your credit limit. For example, if you have an overall credit limit of £3,000 and you use £1,500 of it, your credit utilisation is 50%. But if you cancel a card and your limit is reduced to £2,250, you’ll be using 75% of it. 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 bureaux like to see a credit utilisation ratio below 25% after you’ve cancelled your credit card. 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. Just make sure there are no annual or dormancy fees.

After you’ve cancelled your credit card

After you’ve cancelled 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
PO Box 6201,
Coventry,
CV3 9HW

Trading in your current card for a new one?

If you want to close your credit card because it doesn’t offer what you want, 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.

Table: sorted by representative APR, promoted deals first
Name Product Finder score Finder score Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
Santander Everyday Long Term Balance Transfer Credit Card
4.0
★★★★★
★★★★★
Expert analysis
0% for 26 months reverting to 23.9%
3% (min. £5)
0% for 3 months reverting to 23.9%
£0
23.9% APR (variable)
Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
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Royal Bank of Scotland Longer Balance Transfer Credit Card
3.5
★★★★★
★★★★★
Expert analysis
0% for 23 months reverting to 24.9%
3.49%
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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Royal Bank of Scotland Purchase & Balance Transfer Credit Card
4.0
★★★★★
★★★★★
Expert analysis
0% for 19 months reverting to 24.9%
2.99%
0% for 19 months reverting to 24.9%
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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NatWest Longer Balance Transfer Credit Card
4.0
★★★★★
★★★★★
Expert analysis
0% for 23 months reverting to 24.9%
3.49%
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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Name Product Finder score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Royal Bank of Scotland Purchase & Balance Transfer Credit Card
4.0
★★★★★
0% for 19 months reverting to 24.9%
0% for 19 months
(2.99% fee)
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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NatWest Purchase & Balance Transfer Credit Card
4.0
★★★★★
0% for 19 months reverting to 24.9%
0% for 19 months
(2.99% fee)
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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HSBC Purchase Plus Credit Card
4.0
★★★★★
0% for 18 months reverting to 24.9%
0% for 16 months
(3.49%, min £5 fee)
£0
24.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
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Santander All in One Credit Card
4.5
★★★★★
0% for 15 months reverting to 23.9%
0% for 15 months
(0% fee)
£3 per month
29.8% APR (variable)
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
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Name Product Finder score Finder score Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
M&S Bank Credit Card Transfer Plus Offer Mastercard
4.0
★★★★★
★★★★★
Expert analysis
0% for 3 months reverting to 24.9%
£0
Min. limit £500, max. limit not specified.
24.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Check eligibility
Santander All in One Credit Card
4.5
★★★★★
★★★★★
Expert analysis
0% for 15 months reverting to 23.9%
£3 per month
Min. limit £500, max. limit not specified.
29.8% APR (variable)
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
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NatWest Reward Credit Card
3.5
★★★★★
★★★★★
Expert analysis
25.9%
£24 per annum. Reward Current Account holders: £0 per annum
Min. limit £250, max. limit not specified.
31% APR (variable)
You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).
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American Express® Rewards Credit Card
4.0
★★★★★
★★★★★
Expert analysis
31%
£0
Min. limit £500, max. limit not specified.
31% APR (variable)
Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
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Name Product Finder score Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Additional account needed
HSBC Student Credit Card Visa
3.5
★★★★★
£0
Min. limit £250, max. limit £500.
Not specified
18.9%
Available alongside an HSBC Student Account (receive £100 and a 1-year subscription to Headspace when you open a new student account).
Representative example: When you spend £500 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
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Barclaycard Forward Credit Card
4.0
★★★★★
£0
Min. limit £50, max. limit £1,200.
£3000
33.9%
Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year.
Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).
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118 118 Money Guaranteed Rate Card
3.5
★★★★★
£0
Min. limit £500, max. limit not specified.
£8400
34%
Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).
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Zable credit card
3.5
★★★★★
£0
Min. limit £200, max. limit £1,500.
£9,600
48.9%
Representative example: Representative 48.9% APR (variable). Based on assumed borrowing of £1200. Rate of interest 48.9% (variable) annual.
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Name Product Finder score Finder score Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
British Airways American Express® Premium Plus Card
4.0
★★★★★
★★★★★
Expert analysis
31%
£300 per annum
Min. limit £700, max. limit not specified.
139.9% APR (variable)
Welcome offer: Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers only.
Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £300 per annum, your representative rate is 139.9% APR (variable).
Check eligibility
British Airways American Express® Credit Card
4.0
★★★★★
★★★★★
Expert analysis
31%
£0
Min. limit £700, max. limit not specified.
31% APR (variable)
Earn 5,000 points when you spend £1,000 within 3 months of account opening. Terms apply. UK 18+, subject to status. Earn 1 Avios for virtually every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Check eligibility
Virgin Money Virgin Atlantic Reward Plus Credit Card
4.0
★★★★★
★★★★★
Expert analysis
26.9%
£160 per annum
Min. limit not specified, max. limit not specified.
69.7% APR (variable)
Earn 15,000 bonus points with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts)
Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 69.7% APR (variable).
Virgin Money Virgin Atlantic Reward Credit Card
4.0
★★★★★
★★★★★
Expert analysis
26.9%
£0
Min. limit not specified, max. limit not specified.
26.9% APR (variable)
Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts)
Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a., your representative rate is 26.9% APR (variable).
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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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