HSBC Credit Cards - The World's Local Bank
HSBC stands for the "Hongkong and Shanghai banking corporation". It was originally founded in Hong Kong in 1865 by Sir Thomas Sutherland. HSBC Holdings plc, as it is known today, was founded in London in 1991. HSBC Holdings plc was formed so that HSBC could acquire the Midland Bank, at that time a large UK bank in its own right. HSBC's Headquarters are in London, and it offers global banking and financial services. They are one of the largest financial services and banking companies in the world, with a significant presence in the United Kingdom. The bank has many branches in England and Wales, although its presence is smaller in Scotland and Northern Ireland.
HSBC offers a large number of personal banking and business banking services. Some of its business banking services include: Business Banking, Commercial Banking and Corporate and Structure Banking. Some of its personal services include: Financial planning, Investments, Current Accounts, Savings, Loans, Mortgages and of course Credit Cards.
They generally have a small number of credit card offers at any one time. Certain cards are only available to HSBC current account holders. To obtain a HSBC credit card you will generally have to have an average to good credit score, but this completely depends on the type of card that you want to apply for. They offer cards that are decent overall and you may be offered 0% balance transfers with some of the cards available to you. They also offer 0% purchase credit cards. Most of the HSBC cards have an average interest rate.Additional benefits may include discounts off holidays booked through HSBC Travel Club. Most of the cards have no annual fee, although this of course depends on the particular card and the features and benefits offered. With a HSBC credit card, you are protected against online fraud as well as other types of fraud, and in the case of a lost or stolen card, a replacement will be issued as soon as the company has been notified. They can also closely monitor transactions whilst you are out of the UK if you notify them when you go abroad.
Due to the small selection of HSBC credit cards available in the United Kingdom, you can get a clear idea of what you want and whether the card matches your requirements, without having to compare dozens of other cards from the same supplier. This simplicity makes credit card comparison much easier so you can make the choice that is best for you and your finances.
HSBC invests in many different education projects in and around the communities in which it operates. They also realise the importance of helping businesses in the UK, through the help and support of their staff, and the products and services that they have available.