HSBC credit card is high.

1. Huabei is a consumption installment service launched by Ant Financial, which allows users to consume on Alipay and pay in installments. The interest rate of Huabei is relatively low, between 0.6-1.2. And sometimes it's interest-free.

2. HSBC credit card is a financial instrument that allows users to make purchases at designated merchants and pay in installments. The interest rate of credit cards is relatively high, usually between 2-3, and sometimes it also charges Handling fee.