One of the major players in credit card industry is HSBC. Here we take a good look at the credit card offerings from this bank.
HSBC Holdings plc is one of the world’s leading banking groups. It has been rated as the 3rd biggest banking company in the world by Forbes Global 2000. Established in 1865, it is named after its founding member Hong Kong and Shanghai Banking Corporation. Till 1991, it was based in Hong Kong, but now has shifted base to London.
Though a London based bank, majority of its earnings come from other parts of the globe via local banks, spread throughout the world. HSBC Bank USA N.A. and HSBC Finance Corporation are its representatives in the US.
HSBC Finance Corporation concentrates on certain types of consumer lending with branch networks spreading throughout the US. HSBC Bank USA is a full service bank and has a strong presence in New York State. It also operates throughout the country, providing personal banking services and giving loans and credit cards.
HSBC credit cards are meant to fulfill all credit requirements with advanced services that are universally accepted. The rates are competitive and there are various types of benefits, perks and reward programs like cash back, travel rewards etc. Besides these deals, you can also enjoy the premium customer service.
Getting a HSBC credit card is quite easy. Applying for a HSBC credit card is a simple procedure that can be completed in a short time online.
The initial step is the selection of card. Search for HSBC credit cards on the Internet and select the one that is most appropriate for your needs. Once you have chosen the preferred card, the next step is to submit basic information, such as your personal details. After you have done this, fill out the application details to indicate your card instruction choices like ATM, language etc. The third step is confirmation. Here you read and accept all the terms and conditions and declarations of the agreement. Once you are through this, the last step is acknowledgement. Here you get a reference number to confirm the receipt of your application.
Some of the well known HSBC credit cards are: HSBC Platinum MasterCard, HSBC Cash Back Rewards MasterCard, HSBC Cash or Fly Rewards MasterCard etc. The primary benefit of these cards is the 0% introductory Annual Percentage Rate on purchases and balance transfer from 6-12 months, right from the day the account is opened. All these cards offer online account management services.
Innovating periodically gives HSBC credit cards the competitive advantage over other credit cards. New features and lucrative deals are introduced regularly. A good example of this innovation is the American DreamCard.
For each $1 spent on your American DreamCard, you are automatically entered into American DreamCard Jackpot, where you stand to win at least $25,000.00. There has been one winner each month, since the scheme was first introduced in 2004.
For each friend or family member referred by you becomes a card holder, you get additional 1,000 for the next draw. There are no restrictions on entries and winnings. You can win countless number of times.