Welcome. You are securely logged on to Personal Internet Banking.

Back to my account

Welcome. You are securely logged on to Personal Internet Banking.

Back to my account

Select Credit

To apply or learn more call 800.975.4722

Give your plans the support they need.

Select Credit is a personal line of credit that allows you to borrow money as you need, at a low, competitive rate.

  • Fixed Introductory offer
    Save money by consolidating higher interest balances held elsewhere. Receive a fixed Introductory APR for Cash Advance transactions (checks or transfers) that post to the Account within 45 days from Account opening (Introductory Period)†,1. The Introductory APR remains in effect until the qualifying balance is paid in full.
  • Save on fees
    • No annual fee†,1
    • No application fees
    • No Check Transaction Fees†,1
  • For your planned expenses
    Use it to pay for planned expenses, such as home improvements or vacations. You can easily access funds using checks or online transfers.
  • For unexpected expenses
    Use it as a safety net for unexpected expenses, such as emergency car repairs. You can also link Select Credit to your HSBC checking account for overdraft protection.

Summary of Terms can be accessed here.

1 The information about the costs and benefits of this credit product described is accurate as of 11/22/2017. The information may have changed after that date. To find out what may have changed, call 800.975.HSBC (4722). The fixed Introductory Annual Percentage Rate ("APR") does not apply to Overdrafts. After the Introductory Period, a variable Cash Advance APR of 8.99%, 12.99% or 16.99%, depending on your creditworthiness, will apply to all Cash Advance transactions (electronic/telephonic methods, checks, and balance transfers); and a variable Overdraft APR of 18.99% will apply to Overdrafts from qualifying linked HSBC checking account(s). 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. An Overdraft Transaction Fee may be charged each day an advance is made to pay overdrafts to your qualifying linked HSBC checking account(s), with a minimum fee equal to the amount transferred to cover your overdraft(s), up to a maximum fee of $10 per day. This fee is waived for customers with a U.S. HSBC Premier relationship. There is no Annual Fee or Check Transaction Fees. See Summary of Terms for details.

Select Credit Accounts are issued by HSBC Bank USA, N.A., subject to credit approval, and require a qualifying deposit relationship with HSBC Bank USA, N.A.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Family in a meadow.

HSBC offers insurance solutions that can help protect your assets. Speak with an HSBC financial professional today.

Learn More

Have a question?

Call our Customer Relationship Center
800.975.4722

Monday - Sunday 7:00am - 12:00am ET
Automated banking available 24/7
Lost Stolen 24/7

TTY: 800.898.5999
Monday - Sunday 7:00am - 12:00am ET

†† Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

Español

Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.

廣東話

我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。

普通话

我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.

Welcome back!

Please select the product you applied for to resume your application.


Verify trial deposits
Go to Top