New Card FAQs To find the answer to a question, choose the most relevant category and sub-topic. Select an FAQ Category Below About HSBC Approval Qualifying Rate Information Card Security   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. Who is HSBC? HSBC is one of the world's largest financial institutions and largest credit card issuers with over 50 million customers nationwide. 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. When will I receive my HSBC card? If you are approved, you should receive your new credit card and the terms associated with your account within 10-14 business days. Can I have more than one credit card account? Currently, you may only have one type of HSBC Credit Card account. 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; this includes an evaluation of your ability to pay based on factors such as your income and/or assets and your debts and obligations. Rate Information What is a Variable Rate? A variable rate is a rate that can change with the market based on an Index (such as the Prime Rate). What is the Prime Rate? The Prime Rate is the Index used to calculate the interest rates on variable rate accounts. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. prime rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. Can the Prime Rate go up or down? Yes, the Prime Rate can go up or down If the Prime Rate goes up or down, when does it affect my statement? If the Prime Rate (Index) goes up or down, the new variable rate will take effect with the billing cycle that ends on or after the first day of the month following the Index change. What is a Penalty APR? A Penalty APR may be applied to your Account if you make a late payment. Card Security Card Security Card Security

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