New Card FAQs

The Household Bank Credit Card is issued by HSBC Bank Nevada, N.A. and is serviced by HSBC Card Services, Inc.

HSBC is one of the world's largest financial institutions and largest credit card issuers with over 50 million customers nationwide.

Click here to apply online. It's easy, and takes just a few minutes.

We'll recommend a specific Credit Card that best fits your needs and credit profile based on the information you provide us from the inquiry form and your credit history.

Yes.

Depending upon your credit profile, your card could have an annual fee associated with it.

Over 2 million people have established or re-establish their credit with us. We have online account management tools that put you in control of your account, plus 100% Fraud Liability Protection and reporting to the three major credit bureaus.

Currently, you may only have one type of HSBC Credit Card account.

No. By applying for a Credit Card you authorize HSBC to obtain a current credit bureau report about you and to verify the information provided on your application. Approval is pending review of this and other information.

If you are approved, you should receive your new credit card and the terms associated with your account within 10-14 business days.

In order to apply for a credit card, you must be at least the legal age in the state of your residence, your annual salary must be at least $12,000 (for an unsecured card), you must have a telephone in your residence and you must reside in the United States and have a valid social security number. Credit approval will be determined upon review of a current credit bureau report and other information bearing on your creditworthiness; this includes an evaluation of your ability to pay based on factors such as your income and/or assets and your debts and obligations.

In order to apply for a credit card, you must be at least the legal age in the state of your residence, your annual salary must be at least $12,000 (for an unsecured card), you must have a telephone in your residence and you must reside in the United States and have a valid social security number. Credit approval will be determined upon review of a current credit bureau report and other information bearing on your creditworthiness; this includes an evaluation of your ability to pay based on factors such as your income and/or assets and your debts and obligations.

A variable rate is a rate that can change with the market based on an Index (such as the Prime Rate).

Yes, the Prime Rate can go up or down

If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month.

A Penalty APR may be applied to your Account if you make a late payment.

Card Security

Secured Cards are credit cards that require a savings account to be established as collateral for the credit card. They are an excellent way to establish a positive credit history and are designed especially for people with no credit history, or who have experienced past credit problems. Household Bank secured Credit Cards look and work just like any other credit card. Only you and HSBC will know that the card is secured.

You may either directly apply for a Secured Card or we may recommend one for you if you do not qualify for an Unsecured Card.

Even if you have no credit history, or your credit history is less than perfect, you have an excellent opportunity to be approved for a Household Bank secured card. These are our general guidelines:

• Legal age in the state of your residence,
• A telephone in your home,
• Reside in the United States

With a Household Bank secured card, you set your own credit limit! The minimum deposit required is $200, with a maximum deposit of $15,000, and your credit limit will be equal to 100% of your deposit.

Yes. At any time after your account is opened, you may send in deposits of $100 or more in increments of $100 to add to your secured savings account. Each addition to your savings account will increase your credit limit dollar for dollar.

The savings account acts as collateral for your Secured Card, so you may not withdraw money from the account while your credit card is secured