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Credit card help

  • How do I activate my new card?


    Your credit card is already active when you receive it. to enable contactless you will need t use you chip and PIN once.

    Your credit card is already active when you receive it. to enable contactless you will need t use you chip and PIN once.

  • How do I pay my credit card in the App?


How to pay your credit card in App

    • What's the difference between a first direct Credit Card and Gold Card?


      Our Credit Card is designed for balance transfers, you can read more about this on the Credit Card page. The Gold Card is primarily for purchases, again you can find out more on our Gold Card page

      Our Credit Card is designed for balance transfers, you can read more about this on the Credit Card page. The Gold Card is primarily for purchases, again you can find out more on our Gold Card page

    • How do I set up a Direct Debit to pay my credit card?


      You can set up a Direct Debit for your new credit card during the application process. If you need to set this up after you've applied it's no problem, you'll just need to fill in a Direct Debit mandate which we can send out to you, you can request this by sending us a secure message in your Online Banking. Alteratively, you can call us on 03 456 100 100 and speak to one of our Visa representatives who can set up a Direct Debit for you.

      You can set up a Direct Debit for your new credit card during the application process. If you need to set this up after you've applied it's no problem, you'll just need to fill in a Direct Debit mandate which we can send out to you, you can request this by sending us a secure message in your Online Banking. Alteratively, you can call us on 03 456 100 100 and speak to one of our Visa representatives who can set up a Direct Debit for you.

    • How do I cancel a Direct Debit from my credit card?


      You can call us on 03 456 100 100 to request or send an electronic message via your Online Banking.

      You can call us on 03 456 100 100 to request or send an electronic message via your Online Banking.

    • How do I get a replacement credit card?


      You can call us on 03 456 100 100 to request or send an electronic message via your Online Banking.

      You can call us on 03 456 100 100 to request or send an electronic message via your Online Banking.

    • How do I transfer balance from another credit card or store card?


      You can request a balance transfer by telephone or electronic message. We'll just need to know your external card number, beneficiary name and amount.

      With our Credit Card, transferring your balance is easy. Once you've received your card, give us a call any time, night or day on 03 456 100 100 - transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day, and it can take up to five working days for the money to reach your other credit or store card provider.

      Balance Transfer fee of 2.29% (min £5) will be charged for each transferred balance made within three months of opening your account. After three months, this fee will be at the full rate.

      Unfortunately we can't transfer balances between cards operated by members of the HSBC Group, including HSBC UK Bank plc, its subsidiaries, associated and affiliated companies. These include Marks & Spencer Financial Services plc and John Lewis Financial Services Limited.

      You can request a balance transfer by telephone or electronic message. We'll just need to know your external card number, beneficiary name and amount.

      With our Credit Card, transferring your balance is easy. Once you've received your card, give us a call any time, night or day on 03 456 100 100 - transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day, and it can take up to five working days for the money to reach your other credit or store card provider.

      Balance Transfer fee of 2.29% (min £5) will be charged for each transferred balance made within three months of opening your account. After three months, this fee will be at the full rate.

      Unfortunately we can't transfer balances between cards operated by members of the HSBC Group, including HSBC UK Bank plc, its subsidiaries, associated and affiliated companies. These include Marks & Spencer Financial Services plc and John Lewis Financial Services Limited.

    • How do I increase or decrease my credit limit?


      You can call us on 03 456 100 100 to request or send an electronic message via your Online Banking.

      You can call us on 03 456 100 100 to request or send an electronic message via your Online Banking.