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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.

Cash on hand to fuel your dreams.

Select Credit is a personal line of credit that allows you to borrow money as you need it, up to your available credit limit, at a competitively low APR. Select Credit can be used for a variety of reasons:  

  • Debt consolidation
  • Home improvements
  • Vacations
  • Unexpected expenses






5.99%1 APR

9.99%1 APR

13.99%1 APR


7.99%1 APR

11.99%1 APR

15.99%1 APR

  • Variable Introductory APR as low as 5.99%,1

    Receive a variable 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 variable APR

    After the first 45 days, a variable APR of 7.99%, 11.99%, or 15.99%,1 will apply for

    new Cash Advance transactions.

  • Easy Access to Funds

    Credit Limits up to $25,000.

        o    Minimum $1,000 Maximum $25,000 (Premier)

        o    Minimum $1,000 Maximum $10,000 (Non-Premier)

  • Optional Overdraft Protection

    o    A variable Overdraft APR of 17.99%,1 will apply to Overdrafts, if you link a qualifying HSBC checking account for overdraft protection.

    o    An Overdraft fee of up to $10/day applies. This fee is waived for customers with a        U.S. HSBC Premier relationship,1

  • Save on fees

    o    No Annual Fee,1

    o    No Cash Advance fees,1

    o    No Check Transaction or Balance Transfer Fees,1

  • Complimentary access to your FICO®  Score

    Receive  complimentary access to your FICO®  Score on your monthly statement*

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. 

Summary of Terms can be accessed here.

How to apply


Submit an application online


Contact our dedicated Customer Relationship Center Monday through Sunday, 7am – 12am ET at 800.975.4722 (HSBC). If outside the U.S. or Canada, call 716.841.7212.

In Person

Find the branch closest 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.

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 800.975.4722 (HSBC). The variable Introductory Annual Percentage Rate ("APR") does not apply to Overdrafts. After the Introductory Period, a variable Cash Advance APR of 7.99%, 11.99% or 15.99%, depending on your creditworthiness, will apply to all Cash Advance transactions (electronic/telephonic methods, checks, and balance transfers); and a variable Overdraft APR of 17.99% 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 Cash Advance Fees. See Summary of Terms for details.

*some exclusions apply. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Speak with your financial advisor or a counseling agency about debt consolidation.

Select Credit is a personal line of credit issued by HSBC Bank USA, N.A., subject to credit approval and are only available for customers who are opening and are approved for or hold an existing consumer deposit relationship (Checking, Savings or Certificate of Deposit) with HSBC Bank USA, N.A. To learn more, please speak to an HSBC Bank USA, N.A. representative for product and pricing details.

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


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