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Review of the HSBC credit card. Online application available
HSBC has one of the best credit card offers in a long time and there are no credit card providers that can match this offer at the moment. So what is this fantastic offer? Well how about a zero percent interest rate on purchases, zero percent interest rate on balance transfers a no annual fee for the first year, that's three big zeros! If you want to apply for the HSBC credit card online or download the application just click here.
So what's the catch you may ask, surely there must be some sort of other fees? Well the answer is no there are no fees at all, however there are time limits on each of the features. The 0% interest rate on purchases lasts until January so this means you spend as much as the limit on your HSBC credit card has and not pay a cent of interest from now until January the 1st 2008, once this date starts then any amount you are owing will occur an interest rate at 11.95% which not to bad either, that is quite a low rate for a credit card in Australia.
The 0% balance transfer rate that this HSBC credit card is offering means you can transfer the amount you are owing (the balance) on your current credit card and delay paying anything back with no interest until March 2008. Once you transfer to HSBC you'll want to make sure you have the ability to start paying back most of your balance before March as the interest rate on any balance transfers will incur a 15.95% per annum interest rate, which is not too bad by itself. You if you don't understand how a credit card balance transfer works or what are balance transfers on credit cards then read about it.
Then there is the no annual fee which tops off this great credit card from HSBC, it's the icing on the credit card cake. If you understand interest rates and how credit cards work then you should definitely take advantage and sign up using the HSBC online credit card application, even if you don't understand interest rates that well then you should apply also as you can't go wrong, why pay extra money on interest on your current card when you have the zero interest rate on purchases and balance transfers waiting for you?
Here you can find the HSBC online credit card application for instant pre approval as long as you meet the standard criteria you should be approved, if you already own a credit card then most likely you will be approved quickly.
This article was relevant at the time of this HSBC credit card promotion offer. This article was written on the 9th of August 2007. This credit card deal may no longer be relevant and HSBC may have new offers for their credit cards as interest rates and products change often. Be sure to check out the latest up to date Australian credit card offers here
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