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Existing HSBC Client
0% 1 APR for the first 18 months from Account opening
After the Introductory Period, a variable Purchase APR of 12.99%, 16.99% or 22.99% 1. depending on credit worthiness, will apply.
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0% 1 APR for 12 months from Account opening
After the Introductory Period, a variable Purchase APR of 11.99%, 14.99% or 17.99% 1. depending on credit worthiness, will apply.
Enjoy no interest on purchases and balance transfers for 12 months from Account opening when you apply now.
1 The information about the costs and benefits of the card described is accurate as of 11/17/2015. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 12.99%, 16.99% or 22.99%, depending on your creditworthiness, will apply to credit card purchases. After the Introductory Period, a variable Balance Transfer APR of 12.99%, 16.99% and 22.99%, depending on your creditworthiness, will apply to balance transfers and credit card checks. The variable Cash APR applies to cash advances and overdrafts and is 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. 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. The Minimum Interest Charge is $1.00. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. An Overdraft Transaction Fee of $10 or 4%, whichever is greater, will apply to the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee.
We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to the legal, business, competitive environment or other reasons not listed here. We may increase the interest rate on existing balances in limited circumstances. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account.
HSBC Credit Cards are issued by HSBC Bank USA, N.A. subject to credit approval.
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