Having an HSBC credit card provides convenience and flexibility when it comes to purchasing items or handling monthly expenses. However, you’ll need to pay your credit card bill responsibly each month to avoid interest charges or late fees.
In this comprehensive guide, we’ll explain the ins and outs of paying your HSBC credit card bill through multiple methods
Overview of Paying HSBC Credit Card Bills
HSBC offers several ways to pay your monthly credit card statement balance. You can pay online, through the mobile app, by phone by mail or at a local branch.
Most HSBC credit cardholders choose to pay their bill conveniently online through the HSBC website or mobile banking app. Payments made online are processed instantly and reflected in your account right away.
HSBC does not charge convenience fees for online/mobile credit card payments. The only potential fee is a $5 charge for expedited phone payments to a service agent.
As long as you pay your minimum due or statement balance by the payment due date, you can avoid interest charges on new purchases. We’ll explain how due dates work as well as tips for avoiding late fees.
Below we’ll walk through the step-by-step process for all the ways you can pay your HSBC credit card bill.
Frequently Asked Questions About Paying Your Credit Card Bill
What are the benefits of paying my credit card bill online?
Paying online provides:
- Instant payment processing and confirmation
- Convenient access anytime, anywhere
- Avoidance of phone agent fees
- Ability to set up automatic payments
- Quick access to payment history
When is my credit card payment due?
Your minimum payment due date is listed on your printed or online statement, usually around 3 weeks after your statement closing date. Payments are due on the same date each month.
What happens if I pay late?
If you miss your payment due date, you may be charged a late fee, typically around $25-35. Late payments also impact your credit score.
Can I pay using a non-HSBC bank account?
Yes, when paying online or through the automated phone system you can use an external checking account not with HSBC. Manually provide the account and routing number.
Can I set up autopay?
Yes, you can enroll in autopay through the HSBC website or app to have your credit card automatically paid from your chosen bank account each month.
What is the best way to pay my credit card bill?
The easiest option is to set up automatic payments or pay online through your HSBC account. This prevents late fees and provides instant payment processing.
Step-by-Step Guide to Paying Your Credit Card Bill Online
Follow these simple steps to pay your HSBC credit card bill online:
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Log into your HSBC account online at www.us.hsbc.com
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Under “Accounts”, click on your credit card account
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Click on “Statements” and select the current statement
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Review your statement balance and due date
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Click on “Pay” and enter the amount you wish to pay
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Select the bank account to make the payment from
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Review payment details and submit your payment
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Your account will instantly reflect the payment!
How To Pay Your Credit Card Bill Through the HSBC Mobile App
You can easily pay your credit card bill through the HSBC mobile app as well:
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Log into the HSBC mobile app
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Tap on your credit card account
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Tap the “Pay” button
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Enter your payment amount
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Select the bank account to make the payment from
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Review the details and submit the payment
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You’ll receive instant payment confirmation
Paying Your Credit Card Bill by Phone
To pay your credit card bill by phone:
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Call HSBC at 1-800-975-HSBC (4722)
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Select the “pay credit card bill” option
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Use the automated system to make your payment from an HSBC or external bank account
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Avoid the $5 agent fee by not speaking to a live representative
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You will receive automated payment confirmation
Note that expedited payments made when speaking to an agent have a $5 fee.
Mailing in Your Credit Card Payment
To mail your credit card payment:
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Write your credit card account number on the payment check
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Detach and include your payment voucher from the statement
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Make the check payable to HSBC Bank USA
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Mail your payment to the HSBC address printed on the statement
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Allow 7-10 days for mailed payments to process
Be sure to mail your payment several days before the due date so it arrives on time.
Paying Your Bill at an HSBC Branch
You can also bring a payment to your local HSBC branch. Steps include:
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Visit an HSBC branch and notify the teller you wish to make a credit card payment
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Provide your HSBC credit card account number and payment amount
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Make your payment via cash, check, or transfer from an HSBC deposit account
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Receive a printed receipt as payment confirmation
Tips for Paying Your HSBC Credit Card Bill Without Issues
Follow these tips for smooth HSBC credit card bill payments:
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Pay online for fastest processing and no fees
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Set up autopay to avoid missed payments and late fees
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Pay several days early to account for mailing time
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Keep bank account and contact info up to date to prevent problems
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Always pay at least the minimum due to avoid penalties
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Contact HSBC immediately if your card is lost/stolen
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Save payment confirmations and track payments in your account
The Bottom Line
Paying your HSBC credit card bill is fast and simple through the secure website or mobile app. You can set up autopay, make one-time payments, access statements, and more.
Following the step-by-step instructions above makes the payment process quick and hassle-free each month. Just remember to always pay at least the minimum payment by the due date listed on your statement.
Pay a company or person
- Control exactly when your payment will be made
- Set up one-time or recurring payments for bills like rent, tuition, utilities or your mortgage
- Make up to five one-time bill payments at a time
- Send money to any company or person in the U.S. even if they’re not set up online. We can deliver your payment as a paper check via postal mail, eliminating your need for a checkbook or a stamp. It will arrive as a paper check within 5 business days.
To set up a payee you need to log on to online banking. After this one-time payee set up, you can make or schedule payments using online banking or the HSBC Mobile Banking app
- Company name
- Company U.S. address
- Your account number with the company