HSBC Gold Mastercard® credit card

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  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Annual Fee:
$0
Purchase Intro APR:
0%
(18 Months)
Purchase Regular APR:
12.99%, 16.99% or 20.99%*
Variable
Balance Transfer Intro APR:
0%
(18 Months)
Balance Transfer Regular APR:
12.99%, 16.99% or 20.99%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 26.99%
Cash Advance Fee 4%, Min: $10
Late Fee $37
Penalty APR N/A
Balance Transfer Fee 4%
Foreign Transaction Fee N/A
Return Payment Fee $25

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
dvs42
The Absolute Worst Credit Card
by dvs42
Helpful to 204 out of 204

I got this as a balance transfer card because of 18 months/no interest. This is the absolute worst experience I have ever had with a credit card, or simply any customer service i have ever dealt with.  i have 'missed' multiple payments due to their incorrect inputting of my info, which has impacted my credit score negatively.  There is not way to make an online payment, and they send no confirmation to you when you tdo make a payment.  I've had to call, spending over a half hour on the phone every time, to make my on time payments, only for them to input info wrong or not process the payment, resulting in my being considered past due and incurring fees. Customer service is a nightmare and is not helpful at all, anything you want to do other than make a payment (which they cant even accomplish succesfully) they will refer you to someone else, who in my experience cant resolve anything either.  I would advise anyone considering applying to stay as far away as possible.  This has been a nightmare without an end in sight, my account is now considered clsoed due to their incompetence and I am powerless in trying to change that.  I am reporting them to consumer affairs and the BBB as they constantly fail to prpovide the service they advertise.  

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
dvs42
The Absolute Worst Credit Card
by dvs42
Helpful to 204 out of 204

I got this as a balance transfer card because of 18 months/no interest. This is the absolute worst experience I have ever had with a credit card, or simply any customer service i have ever dealt with.  i have 'missed' multiple payments due to their incorrect inputting of my info, which has impacted my credit score negatively.  There is not way to make an online payment, and they send no confirmation to you when you tdo make a payment.  I've had to call, spending over a half hour on the phone every time, to make my on time payments, only for them to input info wrong or not process the payment, resulting in my being considered past due and incurring fees. Customer service is a nightmare and is not helpful at all, anything you want to do other than make a payment (which they cant even accomplish succesfully) they will refer you to someone else, who in my experience cant resolve anything either.  I would advise anyone considering applying to stay as far away as possible.  This has been a nightmare without an end in sight, my account is now considered clsoed due to their incompetence and I am powerless in trying to change that.  I am reporting them to consumer affairs and the BBB as they constantly fail to prpovide the service they advertise.  


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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2018 through November 2018. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

 
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