A balance transfer is a convenient way to move outstanding balances from other higher-interest credit cards or loans to your HSBC Credit Card.
Now’s the time to take control of your finances.
![](/content/dam/hsbc/us/en_us/credit-card-support/images/2x-money.jpg)
Save money on higher-interest balances
![](/content/dam/hsbc/us/en_us/credit-card-support/images/2x-balance.jpg)
Pay down balances faster
![](/content/dam/hsbc/us/en_us/credit-card-support/images/2x-wallet.jpg)
Streamline payments
![](/content/dam/hsbc/us/en_us/credit-card-support/images/2x-funnel.jpg)
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.
![](/content/dam/hsbc/us/en_us/credit-card-support/images/2x-sign.jpg)
Credit card checks
If you have checks for your HSBC Credit Card, you can use them to issue payment to the bank/issuer.
![](/content/dam/hsbc/us/en_us/credit-card-support/images/phone.jpg)
Phone
To request a Balance Transfer by phone, call the number on the back of your card.
What's next?
![](/content/dam/hsbc/us/en_us/credit-card-support/images/2x-checkmark.jpg)
When you submit a balance transfer request, allow at least 7-10 business days for it to be processed.
![](/content/dam/hsbc/us/en_us/credit-card-support/images/2x-checkmark.jpg)
Continue to pay your other lenders until you confirm your balance transfer has been completed.
![](/content/dam/hsbc/us/en_us/credit-card-support/images/2x-checkmark.jpg)
You can set up alerts and recurring payments to easily manage your HSBC Credit Card balance.