The HSBC Gold Mastercard is not a charge card. It's a traditional credit card, in the sense that it enables you to carry a balance from one month to another.
Furthermore, it has 0% for 18 months that applies to new purchases and balance transfers alike, so it is a great option for big-ticket purchases that will take a while to pay off.
Make sure you repay as much as you can of your balance before the end of the 0% intro period, however. It’s followed by a regular APR that could be pretty steep.
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