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Select Credit

Be ready for life’s changes and the changes you want to make in life, with Select Credit — a personal line of credit. How to Apply Apply online for Select Credit

Whether life brings changes or you want to bring changes to your life, Select Credit can help.

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

A personal line of credit can be used for a variety of reasons. 

  • Debt consolidation
  • Home improvements
  • Vacations
  • Unexpected expenses




7.24%1 APR

11.24%1 APR

15.24%1 APR


9.49%1 APR

13.49%1 APR

17.49%1 APR

  • Fixed Introductory APR 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.

  • Competitive ongoing APR
    • After the first 45 days, (Introductory Period), a variable APR of 9.49%, 13.49%, or 17.49%†,1 will apply for new Cash Advance transactions. A variable Overdraft APR of 19.49%†,1 will apply to Overdrafts, if you link a qualifying HSBC checking account for overdraft protection.
  • Easy Access to Funds
    • Credit Limits up to $25,000. 
    • Minimum $1,000 Maximum $25,000 (Premier), $10,000 (non-Premier).
  • Save on fees
    • No Annual Fee†,1
    • No Cash Advance fees†,1
    • No Check or Balance Transfer Fees†,1
  • For your planned expenses

    Use it to pay for planned expenses, such as home improvements or vacations. 

  • For unexpected expenses

    Use it as a safety net for unexpected expenses, such as emergency car repairs.

  • Optional Overdraft Protection
    • A variable Overdraft APR of 19.49†,1 will apply to Overdrafts, if you link a qualifying HSBC checking account for overdraft protection
    • An Overdraft fee of up to $10/day applies. This fee is waived for customers with a U.S. HSBC Premier relationship†,1

Select Credit is only available to existing HSBC Bank customers, as a relationship benefit.  Open a U.S. HSBC checking or savings account today to take advantage of our Select Credit product. 

How to apply


Contact our customer relationship center

Monday - Sunday 7:00am -12:00am ET.

Toll free from within the U.S. or Canada:

800.975.HSBC (4722)

Collect from everywhere else: 716.841.7212

In Person

Find the branch closet to you to apply in person. 


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an Account.

What this means for you: If you open a personal Account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

Summary of Terms can be accessed here.

1 The information about the costs and benefits of this credit product described is accurate as of {{currentDate}}. 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 9.49%, 13.49% or 17.49%, depending on your creditworthiness, will apply to all Cash Advance transactions (electronic/telephonic methods, checks, and balance transfers); and a variable Overdraft APR of 19.49% 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 Cash Advance 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.