Credit Card Balance Transfers- HSBC Bank USA

A balance transfer is a convenient way to move outstanding balances from other higher-interest credit cards or loans to your HSBC Credit Card.

Interested in transferring a balance to a new HSBC Credit Card?

Now’s the time to take control of your finances.

Save money on higher-interest balances

Pay down balances faster

Streamline payments

Consolidate debt

What you need to know¹

All Balance Transfers:

It may take at least 7-10 business days for your Balance Transfer to be processed.
The transfer amount cannot exceed the available credit limit on your HSBC Credit Card, including fees.
You’re responsible for paying the other lenders until your transfer is complete.
Balance Transfer fees will apply.

Introductory balance transfer offers:

An introductory balance transfer is a special offer you may receive at account opening².

You'll have 60 days from account opening to take advantage of your introductory balance transfer offer.
Refer to the terms of your introductory offer included in your credit card account opening package.

Promotional Balance Transfer offers:

A promotional Balance Transfer is an offer you may receive for your existing HSBC Credit Card.

Promotional terms will expire at the end of the promotional period.
Refer to the terms of your promotional offer for more information.

Three ways to transfer a balance to your HSBC Credit Card

When you’re ready to complete a balance transfer, make sure you have the bank/issuer name, bank/issuer account number and bank/issuer address.

Chat with us

Chat with us online to request a balance transfer.

Credit card checks

If you have checks for your HSBC Credit Card, you can use them to issue payment to the bank/issuer.

Phone

To request a Balance Transfer by phone, call the number on the back of your card.

What's next?

When you submit a balance transfer request, allow at least 7-10 business days for it to be processed.

Continue to pay your other lenders until you confirm your balance transfer has been completed.

You can set up alerts and recurring payments to easily manage your HSBC Credit Card balance.

Show me how

Frequently asked questions

Chat with us

It may take 7-10 business days for any balance transfers request to post. Please continue to pay other lenders, until you confirm the balance on that account has been paid.

We may still honor the Check or BT if it posts after the promotion expires, but you will not receive the Promotional APR. Instead, the variable Balance Transfer APR in effect on the post date will apply.

Yes, you are required to make the minimum payment reflected on your monthly billed statement by the due date.

No, these Check(s) or Balance Transfers may not be used to make payments to any credit card or loans issued by HSBC Bank USA, N.A. or any of our affiliates.

You may write the Check(s) or request a Balance Transfer for any amount, but the total amount including any Balance Transfer fees must be less than your available credit limit.

Yes, you may have to adjust your AutoPay setting on Internet Banking if it is set-up to automatically pay your statement balance each month.

Your account must be open, current and have sufficient credit available to take advantage of this promotional offer. If a Check or Balance Transfer amount exceeds the available credit, we may decline it.

If you take advantage of this promotional APR and continue to pay minimum payment plus non-promotional balances, including purchases, cash advance fees and finance charges by the due date, you will not lose your interest-free period (also called a grace period).

Typically, the address is on the other lender’s billing statement. You should confirm this address with the other lender before requesting a Balance Transfer.

1 Refer to the Balance Transfer terms for your account or the terms of your Balance Transfer offer, if applicable.

2 Not all HSBC Credit Cards have an introductory Balance Transfer offer. Refer to your account opening materials for details about your new HSBC Credit Card.

Balance transfers

Now’s the time to take control of your finances.

Save money on higher-interest balances

Pay down balances faster

Streamline payments

Consolidate debt

What you need to know1

All Balance Transfers:

Introductory balance transfer offers:

Promotional Balance Transfer offers:

Three ways to transfer a balance to your HSBC Credit Card

Credit card checks

Phone

What's next?

Frequently asked questions

When will my balance transfer post to my account?

What if my Check or Balance Transfer posts after the promotion expires?

If I accept this offer, should I make a minimum payment?

Can I use the Check(s) or Balance Transfer to pay other HSBC credit cards or loans?

Can I transfer from my HSBC Credit Card to deposit account and qualify for this promotional offer?

What is the maximum amount of Balance Transfer I can request?

If I take advantage of this promotional offer, do I need to adjust my AutoPay settings?

Will I earn rewards for credit card Check(s) or Balance Transfer?

Are there any other important details I should note about this promotional offer?

Can I avoid paying interest on new purchases after transferring a balance?

Where can I find the address for the other lender when requesting a Balance Transfer?

Connect with us

What you need to know¹