The easiest way you can pay your HSBC credit card is online, or over the phone at (800) 975-4722. Alternatively, you can pay your HSBC credit card either by mail, or by enrolling in HSBC AutoPay.
Here’s how you can pay your HSBC credit card:
Online: To pay online, just sign into your HSBC credit card account or the HSBC app, and then select the credit card you want to pay. If you’re paying with an HSBC checking or savings account, click “Move Money” to make a credit card payment. If you’re paying with a non-HSBC account, click “My Account” and then “Payments.” From there, click “Make a Payment,” and choose the amount you’d like to pay along with which bank account you want to pay from.
By phone: To make an HSBC credit card payment over the phone, call (800) 975-4722. Have your HSBC card around so you can easily input your credit card number when prompted by the automated system. The prompts will then guide you through the process of making a payment on your HSBC credit card.
By mail: If you’d rather mail in an HSBC credit card payment, send a check or money order – along with the payment coupon from your credit card statement – to this mailing address:
HSBC Bank USA, N.A.
P.O. Box 4657
Carol Stream, IL 60197-5255.
Enroll in HSBC AutoPay: You can also pay your HSBC accounts automatically by enrolling in AutoPay. This way, you’ll never miss a payment. To enroll in HSBC AutoPay, log on to Personal Internet Banking. From the “My Accounts” menu select your HSBC Credit Card and then click the “Manage Card” button. From the menu, select “Payments” and then click “AutoPay”.
You can make an HSBC credit card payment online. I find it easier to download the HSBC Mobile Banking app, but you can also pay on the HSBC website. It's free and they have an 'on-time' guarantee, meaning that HSBC will bear the responsibility for any late-payment-related charges should an online bill payment arrive after its due date as long as you scheduled the transaction.
No, you cannot pay a credit card with a debit card. But you can a pay a credit card with the bank account that a debit card is linked to, by doing an electronic transfer. However you choose to pay your credit card bill – whether you do it online, over the phone or by mail – there will not be an option to enter any kind of card number as the payment method. That’s among the reasons why you can’t pay one credit card’s bill with another credit card, either.… read full answer
To pay your credit card bill using the checking/savings account behind your debit card, you’ll usually need to enter information like the account number and routing number for your checking or savings account. This is the most common way people pay their credit card bills, and it lets you take the money straight from your bank account and apply it to your bill.
Once you’ve entered the info for the account you’d like the money to come from, you can usually save that for next time so you don’t have to manually enter it every month. You can also set up automatic bill payment, so that on the same date each month, money is withdrawn from your account to pay your credit card bill.
The simple answer is that you cannot use a physical debit card to pay your credit card bill. You will have to set up payments using the nine-digit routing number from the checking account your debit card is linked to. At the end of the day, the money is coming from the same place.
You can pay most major credit cards with cash at the card issuer’s branch location. Chase, Capital One, Citibank, Bank of America, Wells Fargo, and U.S. Bank are among the major credit card companies that currently accept cash payments for credit card bills. Just don’t be surprised if they ask you for identification to complete your payment in person.… read full answer
Typically, to make a credit card payment in cash, you’ll need to go to a branch location to make a payment with a teller. Some card issuers will allow you to make cash payments via an ATM. Citibank actually only allows cash payments through their ATMs. Also, some card issuers have restrictions to paying in cash. Citibank, for example, has a monthly cap of $3,000 for credit card payments made in cash.
The best time to pay a credit card bill is a few days before the due date, which is listed on the monthly statement. Paying at least the minimum amount required by the due date keeps the account in good standing and is the key to building a good or excellent credit score. That’s true for everyone, but some people might want to take things a step further, particularly cardholders carrying balances from month to month and people with high credit utilization.… read full answer
If you have a credit card balance that you carry from month to month, it’s best to pay that credit card’s bill as soon as the monthly account statement becomes available. This will save you money on interest. Paying the card’s monthly bill in full for two consecutive months will also reduce your interest charges by reinstituting your account’s grace period. Instead of purchases beginning to accrue daily interest charges right after you make them, you will have a window between when your monthly statement becomes available and when your bill is due to pay with no interest.
If the balance listed on your monthly credit card statements consistently equals more than 30% of the card’s credit limit, consider paying your bill multiple times per month. Paying once in the middle of the month and again before the due date will reduce the balance listed on your statement. That, in turn, will lower your credit utilization, which should help your credit score.
Here’s a quick example: You have a credit card with a limit of $1,000. You charge $500 to it, using up 50% of your credit. Then, you make a payment of $300 before the billing period closes and your statement is generated. That brings your statement balance to $200 and your utilization to 20%. Paying off the final $200 before the due date then keeps your account in good standing.
Here’s when to pay a credit card:
If your credit utilization is 30% or less and you pay in full every month, pay your credit card bill by the due date listed on your monthly account statement.
If your balance is more than 30% of your credit limit, pay your credit card bill before the billing period closes to reduce your credit utilization, then pay the remaining balance by the due date.
If you’re carrying a balance from month to month, pay off your full credit card balance as soon as possible to save on interest.
It’s a good idea to set up automatic payments with your credit card issuer so you don’t have to worry about when to pay your credit card bill. Doing so will automatically make a payment from a linked bank account every month on the due date, or a day of your choice before that. You can’t be marked late unless your account has insufficient funds. And even with automatic payments set up, you can still make additional payments any time you want.
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