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HSBC 滙豐 Hongkong and Shanghai Bank : Credit Cards (Sinulid 3) | FAQ p.1 💳

Welcome to HSBC Credit Cards Thread 4
Credit Card Line-up
as of March 2019

OLD DISCUSSIONS
I: HSBC 滙豐 The Hongkong and Shanghai Banking Corporation : Credit Cards
II: HSBC 滙豐 The Hongkong and Shanghai Banking Corporation : Credit Cards (Sinulid 2)
III: HSBC 滙豐 Hongkong and Shanghai Bank : Credit Cards (Sinulid 3)

HSBC will be changing their customer service hotline numbers to the new 8-digit format beginning October 6, 2019.
I: HSBC 滙豐 The Hongkong and Shanghai Banking Corporation : Credit Cards
II: HSBC 滙豐 The Hongkong and Shanghai Banking Corporation : Credit Cards (Sinulid 2)
III: HSBC 滙豐 Hongkong and Shanghai Bank : Credit Cards (Sinulid 3)

HSBC will be changing their customer service hotline numbers to the new 8-digit format beginning October 6, 2019.
|
From |
To |
HSBC Credit Card, Advance and other Personal Banking customers |
+63(2) 85-800 |
+63(2) 8858-0000 |
+63(2) 976-8000 |
+63(2) 7976-8000 |
|
HSBC Premier customers |
+63(2) 85-808 |
+63(2) 8858-0800 |
+63(2) 976-8080 |
+63(2) 7976-8080 |
|
HSBC Insurance Brokers |
+63(2) 581-8458 |
+63(2) 8581-8458 |
HSBC Employee Privilege Plan |
+63(2) 672-6463 |
+63(2) 8672-6463 |
Comments
HSBC Platinum Visa Credit Card
HSBC Gold Visa Cash Back Credit Card
HSBC Red Mastercard
HSBC Advance Visa Credit Card
Note: Only available to HSBC Advance customers, Eligibility criteria apply.
HSBC Premier Mastercard®
Note: Only available to HSBC Premier customers. Eligibility criteria apply.
HSBC Gold & HSBC Classic Credit Cards
Note: HSBC Gold Mastercard and HSBC Classic Visa/Mastercard Credit Cards are currently not available to new customers.
References:
[retreived 03-28-2019] https://www.hsbc.com.ph/credit-cards/
[retrieved 03-28-2019] https://www.hsbc.com.ph/credit-cards/products/other-cards/
Mga madalas na katanungan
Kailan ako maaring mag-apply muli kung na-decline ako nung huli kong subok?
Maghintay ng tatlong buwan bago mag-apply muli.
Source: Ms. Camille - HSBC Agent
Kailan ako maaring mag-apply muli kung na-approve ako nung huli kong subok?
Maghintay ng anim na buwan bago mag-apply muli.
Mahigpit ba ang 6-months rule nila?
Oo.
Kailan dumarating ang CA PIN?
Maaring mauna itong dumating kesa sa iyong credit card, kung sakaling natanggap mo na ang iyong credit card at nakalipas na ang isang buwan at hindi mo pa nakukuha ang iyong CA Pin, maari ka na tumawag sa kanilang hotline upang magrequest ng: Panibago o Branch Pick-up.
May Credit Card Consolidation ba sila?
Meron
Ano ang TransUnion o TU?
Ang TransUnion o TU ay isang institusyon kung saan maari mong makita ang ulat ukol sa iyong pinansyal na karanasan. Kasama rito ay ang Credit Card, Loans (kasama pati Home Credit), atbp. Tanging mga kasapi lamang ng TU ang makikita mo sa report.
Para saan naman ang Ulat o Credit Report na ibinibigay ng TU?
Credit reporting provides benefits for lenders, borrowers and the economy at large. It helps businesses reduce risk, increase production and sales, and improve profitability. It also helps create opportunities for consumers to accomplish more of what they want in life. This depends on a current, comprehensive database of consumer data provided by businesses like yours.
Source: https://www.transunion.ph/data-reporting/data-reporting
Paano kumuha ng Report sa TU?
Pumunta lamang sa kanilang tanggapan na matatagpuan sa:
May bayad ba ang Report?
Wala.
Anong mga kailangan dalhin upang makakuha ng report?
Magdala ng dalawang Government issued ID katulad ng UMID, Passport, Postal ID, PRC ID, etc. Magdala rin ng isa pang ID kahit Company ID, gagamitin mo ito pagpasok ng building na iiwanan mo sa reception.
Paano kung isa lang ang Government ID ko?
A: Maari ka pa rin kumuha ngunit hindi 100% na ikaw ay mabibigyan ng report. Nasubukan ko na ito mismo, dala ko lamang ay UMID at Company ID (kinuha ko pa mismo sa reception)
Maari kayong mag-contribute. PM lang
HSBC Credit Cards Features
HSBC Card Balance Transfer
HSBC’s Card Balance Transfer can help you simplify things in your life and save at the same time.
Consolidate all your non-HSBC Credit Card balances and transfer to your HSBC Credit Card to save on finance charges.
Terms and Conditions:
Updated as of April 2017
Reference: https://www.hsbc.com.ph/credit-cards/features/balance-transfer/
HSBC Card Balance Conversion Plan
With HSBC’s Card Balance Conversion Plan, you can go on that adventure you’ve always wanted and live life to the fullest.
Convert your recent expenses on your HSBC Credit Card to affordable installments, payable up to 24 months.
Terms and Conditions:
Updated as of 17 August 2017
Reference: https://www.hsbc.com.ph/credit-cards/features/balance-conversion/
as of April 30, 2019
Source: https://www.hsbc.com.ph/content/dam/hsbc/ph/docs/credit-card-products-overall-terms.pdf page 23
by gibsonfan | 06/19/2019
CTB Citi Credit Cards (Sinulid 6) p.34
| HSBC 滙豐 Hong Kong and Shanghai Bank : Credit Cards (Sinulid 4) p.62
https://i.imgur.com/LrkFJuC.jpg
Citi Dining Terms
https://i.imgur.com/w7wGd8k.jpg
HSBC Dining Terms
Posting this as an FYI sa mga nagtataka kung ano talaga kasama sa bonus points when dining. As a general reminder, some restaurants (mga nasa loob ng grocery/hotel) do not have their own POS kaya di talaga marerecord as bonus kasi nakikiride lang sila sa bigger establishment (ie. swiped as “X Hotel” instead of their buffet restaurant). I remember some people having issues here sa PEX before danil sa mga hotel buffet.
By analyzing their Merchant code inclusions above, one can see na wider ang sakop ni HSBC.
Citi only accepts codes 5812 & 5813 - covering “Eating places and Restaurants” & “Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques” respectively.
HSBC takes both but also include:
5814 - Fast food restaurants
5921 - Package Stores – Beer, Wine, and Liquor
5462 - Bakeries
5499 - Misc. Food Stores – Convenience Stores and Specialty Markets
Your mileage may vary - not all stores use the right codes or use the right POS. Just thought it would be nice to keep these in mind lalo na since most Citi & HSBC cards need their dining multipliers for their rewards programs to be practical, especially with Citi’s devaluation of Thank You points.
interesting to see that HSBC includes liquor stores. Locally, the only convenience stores na magagamitan ay Family Mart and some Alfa Marts.
Merchant code reference - https://www.dm.usda.gov/procurement/card/card_x/mcc.pdf
Source:
/ HSBC 滙豐 Hong Kong and Shanghai Bank : Credit Cards (Sinulid 4) p.62
Reserved Post.
To contribute send a PM to ehleesyan or Strong7Power
Reserved Post.
To contribute send a PM to ehleesyan or Strong7Power
Reserved Post.
To contribute send a PM to ehleesyan or Strong7Power
Akala ko naligaw ako at na punta sa HSBC website.
Galing Master ehleesyan.
They use this as reference for when and when not to accept reference cards when applying for a credit card by minimum CL required per bank.
Also posted on HSBC Credit Cards (Thread 3)
Ang nakapagtataka lang bakit gusto ng BDO sa reference ay BPI, MCC, Citi, at HSBC lamang...na kaya tayo ay may hinuha na sila at sila lang din ang mga kaanib ng TU...
Maaring ang mga bagong miyembro ng TU ay hindi gaanong madalas nagpapada ng report sa TU.
Ayon sa aking nakuhang credit report mula sa TU, bukod sa limang banko (BDO, BPI, MBTC, HSBC, CITIBANK), naandoon sa report ay ang:
- Union Bank
- Bankard
(oo, Bankard lang nakalagay hindi RCBC Bankard)
Mayroon akong Security Bank ngunit hindi ito nakalagay sa report.Sana ay ipaskil na lang nila sa kanilang website ang lahat ng miyembro ng TU bukod sa lima
---
Speaking of BANKARD, ang legal name ay "BANKARD, INC." and traded as "BKD" in PSE.
Mas lalong hindi "RCBC Bankard" - ito lamang ay para sa kapakanan ng "doing business as" o pampublikong pangalan.
Ito lamang ang aking sagot sa mga bumatikos sa akin kung bakit ko raw tinanggal ang "RCBC" sa pamagat ng sinulid 4 ng Bankard.
"BANKARD, INC." lamang po ang legal name ng RCBC Bankard.