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How to return an HSBC credit card?

How to repay a credit card without an HSBC debit card

Credit card repayment methods

1. Personal online bank transfer repayment

You can log in to the bank's personal online banking and conveniently transfer funds from your personal settlement account (debit card, savings passbook) to the bank's credit card account to repay the credit card.

Arrival time: The limit will be restored in real time, and the amount will be credited to the account on the same day. The specific time will be subject to bank clearing time.

2. Mobile banking transfer repayment

You can use the bank’s mobile banking client to conveniently transfer funds in your personal settlement account (debit card, savings passbook) Transfer it to a bank credit card account to repay the credit card.

Arrival time: The limit will be restored in real time, and the amount will be credited to the account on the same day. The specific time will be subject to bank clearing time.

3. ATM self-service transfer and repayment

You can bring your debit card to the ATM self-service terminals of various banks to handle transfer business and repay the credit card. The list of bank members supporting this business is subject to the official UnionPay website. For transfer fees, please refer to the charging standards of each transfer bank.

Arrival time: The limit will be restored in real time, and the amount will be credited to the account the next day at the latest. The specific settlement time of each bank shall prevail.

4. Repayment through CDS self-service deposit and withdrawal machines

You can deposit cash at the CDS self-service deposit and withdrawal machines at various bank branches to repay your credit card.

Arrival time: The limit will be restored in real time, and the amount will be credited to the account the next day at the latest. The specific time is subject to bank clearing time.

5. The Bank’s debit account is automatically bound for repayment

A. Outlets: automatic transfer of RMB, automatic transfer of US dollars or full automatic foreign exchange purchase and repayment authorization for savings accounts

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B. Personal online banking: RMB automatic transfer repayment authorization

Arrival time: The limit is restored in real time, and the money is credited to the account on the same day. The specific time is subject to bank clearing time.

6. Repayment over the counter at bank branches

You can repay the credit card by depositing cash or transferring funds over the counter at any bank branch.

You (or your agent) can bring your card or statement (must be provided) to the counter of any bank branch to repay in cash. The repayment must be handled at a designated foreign exchange branch.

Arrival time: The limit will be restored in real time, and the amount will be credited to the account on the same day. The specific time will be subject to bank clearing time.

7. Telephone banking transfer repayment

You only need to bring ① the original of your valid identity document ② the original of the current savings passbook (debit card) of the bank to be transferred ③ the credit card to the bank When you go through the personal telephone banking account opening procedures at each business outlet, you can activate the transfer function between your current account and credit card.

Arrival time: The limit will be restored in real time, and the amount will be credited to the account the next day at the latest. The specific time is subject to bank clearing time.

8. UnionPay online inter-bank repayment

You can log in to the China UnionPay online payment website and use a debit card to repay the credit card. The list of bank members that support this business is from the official UnionPay official website. The announcement on the website shall prevail, and transfer fees will be waived during the promotion period.

Arrival time: The limit will be restored in real time, and the amount will be credited to the account the next day. The specific time is subject to bank clearing time.

9. "Alipay" and "WeChat" repayment

You can log in to "Alipay" or "WeChat" and use a debit card to repay your credit card. The business introduction of "Alipay" and "WeChat" and the list of bank members supporting this business are subject to the announcement on Alipay's official website. Transfer fees are waived during the promotion period.

Arrival time: The limit will be restored in real time, and the amount will be credited to the account the next day. The specific time is subject to bank clearing time.

10. Check repayment

You need to bring ① check ② credit card ③ original valid identity document to any bank branch to handle check repayment procedures. The agent must also provide the agent's valid identity. Original documents.

11. Remittance repayment

When remitting, please accurately fill in all elements of the remittance voucher and fully consider the time of remittance in transit to ensure that the money can be recorded in time.

There is no need to pay cash when making purchases with a credit card. Repayment will be made on the billing date (BillingDate).

Consequences of overdue credit cards

1. Liquidated damages, usually 5% of the unpaid portion of the minimum repayment amount.

2. The interest is high, and the interest is compounded. The interest rate is very scary when the debt is large.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Because credit cards are convenient and fast to use, coupled with the rapid development of science and technology, credit cards are facing increasingly serious security problems due to the mechanism of consumption first and payment later.

Major international Credit card groups and global card-issuing financial institutions are facing severe challenges.

The security issues of credit cards are mainly divided into the following five aspects:

Credit cards: Criminals or criminal groups use counterfeit or invalid cards (expired/lost/destroyed/tape damaged... etc.) Pretend to be a genuine card consumer, directly deceiving merchants or card issuers.

Cardholders: Poor storage/handling of cards (expired/invalid credit cards are not destroyed, or lost cards are not immediately invalidated, etc.), and personal identity information is unintentionally stolen or defrauded. To avoid such problems, citizens should not easily provide personal identity information to others, and it is best not to entrust others to handle credit cards on their behalf.

Consumer merchants: Service staff overcharge cardholders during their consumption process, or steal their credit card information to make purchases at other merchants. This situation can happen whether it is a physical merchant or an online virtual merchant.

Card issuer: The computer system was maliciously invaded and the customer's basic/transaction information was stolen. There are also cases where employees within the organization commit crimes such as self-inflicted theft or internal supernatural powers and external ghosts.

Trading system and mechanism: As long as it is made or handled by humans, human errors and oversights are inevitable; no matter how rigorous the trading mechanism is, with a world-class trading system from confirmation to settlement, there will still be mistakes. The possibility of invasion, and the so-called "invasion" actually has hierarchical differences.