A Savings Complement to Your Online Savings Account (Sept. 23)
HSBC Direct.
The credit card that fattens your savings.
Dear XXXXXX,
Savvy spenders make savvy savers. Especially when it comes to credit cards. Which is why we’d like to tell you about the HSBC Platinum MasterCard® with Cash or Fly Rewards, a credit card where you save when you spend:
- Save on interest: 0%* Introductory APR means no interest on card purchases and balance transfers for the first 12 months of your account.
- Save on fees: There’s no annual fee.
- Save with points: Earn one point for every dollar you spend. Then choose to redeem your points for 1% Cash Back or Airfare with no blackout dates.
HSBC is offering a whole range of credit cards. There’s one that will be perfect for you and the way you save and spend your money. We invite you to learn more today.
Sincerely,
Your HSBC Direct Team
*Rates are accurate as of Aug 15, 2008. The Introductory APR for 12 months does not apply to cash advances. A 3% ($5 minimum/$50 maximum) cash advance fee will apply to all cash advances, unless otherwise disclosed. A Cash Advance Fee of 3% ($5 minimum/$75 maximum) will apply to all balance transfers, unless otherwise disclosed. After the Introductory Period, the variable Customary APR will apply. The variable Customary APR is between 8.74% and 18.55%, depending on your creditworthiness. We will increase your Introductory APR to your variable Default APR if you fail to make a payment to us when due or you exceed your credit limit. The variable Default APR is 28.99%. The variable Cash APR for cash advances and overdrafts is 20.99%. The Minimum Finance Charge is $1. The Overdraft Fee, is 3% of the overdraft amount, or $5, whichever is greater, if applicable. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency. We apply payments to lower APR balances before higher APR balances.
We have the right to change your APRs, fees and other terms at any time, for any reason in accordance with your Cardmember Agreement and applicable law. These cards are issued by HSBC Bank Nevada, N.A. or HSBC Bank USA, N.A. and are serviced by its affiliates, HSBC Card Services Inc. and/or HSBC Card Services (II) Inc.
§ It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, which may not include a 0% Introductory APR and/or a rewards feature, and with different terms and conditions which will be disclosed to you before your application is processed.
