1 HSBC Bank Student Credit Card The essentials Summary Box Repayment Example Credit Card Agreement Credit Card Agreement Terms
2 2 Summary Box The information contained in this table summarises key product features and is not intended to replace any Agreement Terms. APR Representative 18.9% APR variable Other interest rates Monthly Rate Annual Rate Interest free period Interest charging Allocation of repayment Minimum repayment Purchases Cash Advances 1.456% 1.789% 18.9% 23.6% Up to 56 days on Purchases if you pay your whole balance in full and on time. You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged will be as detailed in the table below. For Cash Advances and Balance Transfers any interest charge for the period from the previous statement to the date of full repayment will be debited the following month. Interest will not be charged on Default charges. From Until Purchases Date debited to your account paid in full Cash Advances Date debited to your account paid in full Balance transfers Date debited to your account paid in full Your payment is allocated in the following order: Cash Advances Purchases Standard rate Balance Transfers Promotional rate Purchases and Balance transfers For further details, please refer to your credit card terms and conditions. Interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or 5.00 whichever is highest, or your statement balance if less than Credit limit Minimum credit limit 500 Maximum credit limit Subject to status Fees No annual fee Charges Foreign Usage Default fees Cash Fee (Includes cash withdrawals, Internal Transfers, the purchase of travellers cheques or foreign currencies and money orders but not gambling transactions) 2.99% of the amount advanced, minimum 3.00 Balance Transfers 2.9% handling fee, minimum 5.00 Payment Scheme Exchange Rate Visa Rates can be found at: cardholders/exchange_rates.aspx Dependent upon the type of transaction you undertake, one of the following charges will apply: Non-Sterling Transaction fee 2.99% of the Sterling amount of the transaction Cash fee 2.99% of the amount advanced, minimum 3.00 Late payment fee Over-limit fee Returned payment fee 5.00
3 Repayments 3 Illustrative Example For a purchase of 500 on your Student Credit Card Monthly Payment Minimum payment each month 50 payment each month 100 payment each month How much interest will you be charged in the first year? How much interest will you be charged in the second year? How long would you like to clear the balance? years, 3 months 11 months 6 months The above example assumes the following: the transaction takes place on 1 January and you make no further transactions; you always make the payment on the 15th; your statement is produced 31 days after you make the purchase; interest is calculated based on the representative 18.9% APR variable rate. We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance, as shown in the example above. Recurring transaction A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your card by a retailer or supplier (for example, breakdown cover). This is an agreement between you and the retailer. The Direct Debit Guarantee does not cover these transactions.
4 4 Credit Card Agreement REGULATED BY THE CONSUMER CREDIT ACT 1974 Credit Limit : Your credit limit will be the amount determined by us from time to time and notified to you. We may limit the amount of Cash Advances, and if we do this we will notify you. Repayments Each month you must pay to us at least the minimum repayment, which is either the total interest, default charges and any payment protection insurance premium together with 1% of the principal shown on your monthly statement or 2.5% of the outstanding balance shown on your monthly statement or 5, whichever of these amounts is highest. If the balance shown on your monthly statement is less than 5 then that will be the amount of the minimum repayment. You must pay the relevant amount to us within 25 days of your statement date ( the Repayment Date ). The amount of the minimum repayment and the Repayment Date will be shown on your statement. We may allow you to pay a lesser sum. We will tell you if we do this. APR 18.9% variable Total amount payable 1, The total amount payable is an illustrative figure only. It and the APR are calculated based on assumptions that you spend 1,200 on Purchases at the start of the Agreement and then repay it by 12 equal monthly instalments with interest being charged during that period at the simple annual rate for Purchases. No account of any introductory rates, of any further drawdown of credit or of any variation which may occur under the Agreement of the interest rate or other item entering into the APR or total amount payable calculations. Standard Variable Rates The Standard Variable annual rates apply upon expiry or withdrawal of any Promotional rates. Annual interest rate for Purchases and Balance Transfers not being charged at a Promotional rate Annual interest rate for Cash Advances Effective Rate Simple Rate 18.9% % 23.6% % Interest will be charged daily at the applicable simple rate (which is used for calculation purposes) from the date each transaction is applied to the Account. Interest will be charged until the balance outstanding has been repaid in full and interest will be added to the Account monthly on your statement date. All effective rates shown above are calculated on a similar basis to the APR, taking no account of any fees. We will not charge interest on Default charges or Purchases if the whole outstanding balance shown on your statement is paid off by the payment due date. However, interest remains payable on Cash Advances and on Balance Transfers. Except where any interest rates are stated to be fixed, all interest rates are variable. We may vary (or introduce) any interest rates, charges or fees at our discretion and upon written notice to you at any time in accordance with Clause 8. In particular, we may vary the interest rate(s) and the APR depending on our assessment of your ability to meet your financial commitments (including considering your credit history and information held about you by credit reference agencies) and how you conduct the Account from time to time. Default Charges: If you pay late: If you exceed your credit limit: If credits or direct debits are unpaid: 5.00 You must also pay our costs of enforcing this Agreement as referred to in Clause 3a(ii). Other charges: See Clause 3b for details of the Cash fee: 2.99% of the amount advanced (minimum 3) See Clause 3c for details of the non-sterling transaction fee we apply on non-sterling transactions: 2.99% See Clause 3d for details of the Balance Transfer Fee: 2.90% of the amount of each balance transferred (minimum 5.00) See Clause 3g for reference to any charges we may make for services you request outside the terms of this Agreement. This Agreement is also subject to the HSBC Credit Card Agreement Terms, which accompany it, and references to clauses in this Agreement are references to clauses in the HSBC Credit Card Agreement Terms. Before you sign, please read the Agreement Terms and the Your information section below.
5 Credit Card Agreement Terms 5 This is a copy of your Agreement for you to keep. It includes a notice about your cancellation rights which you should read. 1. Definitions These are the definitions used in this Agreement: Balance Transfer : a transfer to the Account of an amount you owe another lender (who is not a member of the HSBC Group)or such other transactions as we tell you are to be treated as a Balance Transfer. Card : any MasterCard or Visa credit card issued to you at any time or to an Additional Cardholder under this Agreement and references include any numbers or details that allow use of the card without physically presenting it where the context requires. Cash Advance : any cash withdrawal, purchase of travellers cheques or foreign currency, gambling transaction, money order or transfer made at your request (excluding Balance Transfers). PIN : the Personal Identification Number provided for use with the Card. Promotional rate : any rate which is less than the applicable Standard Variable Rate. Purchase : any transaction under which payment for goods and/or services is made by use of the Card or the Card number. We, us and our refer to HSBC Bank plc, and include its successors and any person to whom it has assigned its rights under this Agreement, you means the person entering into this Agreement with us and HSBC Group means HSBC Holdings plc, its subsidiaries, associated and affiliated companies. 2. Using the Account a. We will open an account in your name to record transactions under this Agreement (the Account ). Transactions using the Card may be authorised by you or another person you allow to use the Account (an Additional Cardholder ) using, as the circumstances require, a combination of the Card, PIN or other security details associated with the Card or the Account or in other ways advised to you by us from time to time, subject to this Agreement, until the Card expiry date. Such authorisation will be given to us or to a payee (for example, a retailer or supplier). Where a chip and PIN Card is used, a PIN must be used to authorise a transaction unless the transaction is executed at a distance, for example over the internet, in which case other security details will be requested from you or the Additional Cardholder to authorise the transaction. b. You must not use your Card or the Account for any illegal purpose nor allow anyone else to do so. If you do, you will be responsible for such use and may be required to reimburse us and/or Visa or MasterCard, for all amounts which we or they incur as a result of such use. c. You may ask us to issue a Card to an Additional Cardholder. You are responsible for all use of the Card by the Additional Cardholder, including any use in breach of this Agreement. You must ensure the Additional Cardholder complies with the relevant terms of this Agreement regarding the use, safeguarding and preventing misuse of the card. We will cancel any use of a Card by an Additional Cardholder on request if the Card is returned to us. d. Once you have your Card and the Card has been activated you may use it and draw credit under these terms and conditions. Credit may be drawn down earlier than this if we allow you to make a Balance Transfer before that time. You must not exceed your credit limit at any time. You may draw credit by using the Card to make Purchases, Cash Advances and we may allow you to make Balance Transfers. In determining your credit limit, we will take account of all factors which we reasonably believe to be relevant. e. We may allow other persons to make payments to the Account on your behalf. f. Promotional rates, other than introductory Promotional rates, are conditional upon you complying with certain terms of this Agreement. We may withdraw any Promotional rates that were not given when you applied for the Card and apply the applicable Standard Variable interest rate if you do not make a payment
6 6 on time or go over your credit limit and do not rectify this within seven days of us asking you to do so. g. We may restrict the amount of any balance you may transfer or stipulate other conditions for the Balance Transfer. We will tell you when we do this. 3. Charges a We will charge the Account with: i. All amounts incurred by the use of the Card and all interest, fees, charges and costs referred to in this Agreement; ii. our costs of seeking to enforce our rights under this Agreement, any costs we incur in tracing you, any costs of using a collection agency and any legal costs; iii. the amount of any tax or other duty imposed upon this Agreement or the use of your card(s). b. Except for gambling transactions, we will charge a Cash fee for Cash Advances. The amount of the fee is set out at the start of this Agreement. c. Any non-sterling transactions (foreign currency transactions) are converted to Sterling by the card scheme (MasterCard or VISA) using wholesale market rates applying on the day conversion is made. You can find the current exchange rates by calling Card Services on We charge commission on foreign currency transactions at the rate specified at the start of this Agreement. d. We will charge a fee for making a Balance Transfer. The amount is set at the start of this Agreement. e. If you have not used your Account and Card for more than twelve months we may make a reasonable charge to your Account. We will give you 30 days written notice before we do this. We remind you that you are free at any time to end this Agreement without penalty by giving us written notice. f. We will charge interest on unpaid insurance premiums charged to the account at the same rate which applies to the relevant transaction to which they relate or, if there is no relevant transaction, at the rate applying to Purchases. g. We may make a charge for any additional services we provide outside this agreement. We will tell you of these charges when you ask for the service. 4. Authorisations a. The use of the Card may be restricted or refused: i. if such use is causing, or would cause a breach of this Agreement; ii. if we have reasonable grounds for suspecting that you, any Additional Cardholder or third party has committed or is about to commit a crime or other abuse in connection with use of the Card or the Account; iii. as part of our procedures to prevent fraud or misuse of Cards. You may be asked for further information, including verification of your identity, when we are asked to authorise a transaction; or iv. if you do not use your PIN when you use your chip and PIN card at a facility which requires you to use a PIN. b. You cannot rescind or revoke a Purchase or other transaction made by use of the Card or Card details once you have authorised the transaction to us or the payee (for example, a retailer or supplier). We will credit the Account with a refund only if the payee refunds us. We may charge the relevant rate of interest on such a transaction amount. c. Our authorisations process takes account of transactions which have been authorised by you and us but not yet applied to the account. d. When you place an order on the Internet with organisations who participate in Verified by Visa or MasterCard SecureCode (designed to prevent fraud) you will be invited to register for the service applicable to your Card. If you do not do so, as part of our fraud prevention measures we may not authorise further Internet transactions with participating organisations. e. If a transaction is refused by us then we will give notice of this refusal via the supplier, retailer or other organisation with whom you try to make the transaction. If you or the Cardholder were not made aware of this refusal around the time of the transaction, you can seek details of the refusal by calling Card Services on Repayments a. We will send you a statement each month (and this may be an online statement, by or other electronic means where we have your consent to do so) if there are transactions or other movements on the Account and you must tell us immediately if anything on your statement is incorrect. You must pay us at least
7 7 the amount shown as due for payment by the date indicated on the statement. b. Payments made by you will only take effect when received by us as cleared funds eg, a cheque may take several days to clear after it is received by us. c. We may tell you at our discretion if you may miss making a monthly repayment but if you do so, you may pay more interest as a result and any interest free period will not be extended. d. You should not make payments that place the Account in credit. If you do, we may still restrict the use of the Card and the Account to the amount of your credit limit. e. If you make a payment late or not at all, interest will accrue on the unpaid amount at the rate for that part of the balance remaining unpaid. f. You can at any time repay all or any sums owing under this Agreement, subject to you making the minimum monthly repayment, by making payment to us by cheque or other appropriate method. g. Payments received are applied to pay off the minimum payment shown on your statement, then the remaining balance on your statement, then any items not yet included in a statement. We will apply your payment first to any payment protection insurance premium, then to categories of balances in the following order: Cash Advances Purchases and Balance Transfers not being charged at a Promotional rate Purchases and Balance Transfers being charged at a Promotional rate In each category, interest and charges are paid first followed by the remainder of the balance. 6. Protecting the Card a. You and any Additional Cardholder must take all reasonable precautions to prevent the Card and the Card number, the PIN, your password, any internet password and internet identity number or any other security details for the Card or Account (the Card Security Details ) from being misused or being used to commit fraud. These precautions include: i. sign the Card as soon as it is received and comply with any security instructions; ii. protect the Card and Card Security Details; iii. do not allow anyone else to have or use the Card; iv. destroy any notification of the Card Security Details; v. do not write down the Card Security Details nor disclose them to anyone else (other than any Additional Cardholder permitted to use them) including the police and/or our staff; vi. if you change your Card Security Details to make them more memorable to you, do not choose sequences of letters or numbers that may be easy to guess; vii. do not tamper with the Card; viii. keep Card receipts securely and dispose of them carefully; and ix. contact us about any suspicious matter or problem regarding the use of the Card at a terminal. We may disclose to the organisation that provides the terminal any information we consider necessary to resolve any such matter or problem. b. If the Card is lost, stolen or liable to be misused for any reason, you must tell HSBC Bank plc immediately on our 24-hour telephone number (textphone ) or (textphone ) from abroad (our address is Card Service Delivery, PO Box 6001, Coventry CV3 9FP). c. Cards belong to us and must be cut in half and returned immediately if we ask you to do so in any of the circumstances set out in Clause 4a, or where there is any other valid reason. d. You must co-operate with us and the police to recover lost or stolen Cards and to investigate any unauthorised transactions. If you are asked to report unauthorised transactions to the police, you must do so immediately and in any event within seven days of being asked. If you recover the Cards you must not use them and should cut them in half and return them to us. 7. Misuse of the Card a. If someone else obtains the Card or Card details with your, or any Additional Cardholder s consent, you will be liable for any use made of the Card by that person or anyone else, even if you have not authorised it, until you notify us under Clause 6b. However, you will not be liable for any losses that arise from any misuse of the Card or Card details where they are used to buy goods or services remotely, such as over the Internet, by phone or mail order, subject to certain limited exceptions. b. If someone else uses the Card or Card details with your, or any Additional Cardholder s consent, you will be liable for such use.
8 8 8. Variations a. We may, at our discretion, change any of the terms of this Agreement, including interest rates (and the APR) (either generally or on specific promotions only), the repayment date or amount, the statement date, Default Charges, fees or other charges, or introduce new terms. In particular, we may vary the interest rate(s) and the APR depending on our assessment of your ability to meet your financial commitments (including considering your credit history and information held about you by credit reference agencies) and how you conduct your Account from time to time. These changes would be personal to you and we do this to ensure there is a fair allocation of the risks and costs of borrowing between our different customers. Where any change is to your benefit, we will give you at least 7 days written notice of the change. Otherwise, we will give you at least 30 days written notice, unless Clause 9a applies. b. The reasons why we make changes to the terms of this Agreement include: a change in law, industry code or good banking practice; a change to the cost of providing services to you, including money market rates or bank base rates; as a result of a change to our way of doing business including the introduction of new technology; to reflect our policies on the competitiveness, market share and profitability of our business, where we are not acting dishonestly, for an improper purpose, to discriminate against a particular customer or as an unreasonable financial institution; to make the Agreement clearer to you; or any other valid reason. c. If we change the terms of this Agreement, we may change your Card, Account number and PIN and cancel the Card that your new Card replaces. The balance on the Account will become subject to the new terms. If we do this we will give you 30 days written notice. d. If you are unhappy with any changes made by us under this Clause 8, you may end this Agreement by giving us notice under Clause 9c before the change takes effect. 9. Restricting Card Use and Ending this Agreement a. This Agreement has no fixed or minimum duration, however we may cancel or suspend the use of the Card for all or any purposes or refuse to replace or reissue the Card if: i. we believe that there is a significantly increased risk that you may not be able to fulfil your duty to repay the credit in line with this Agreement and this includes situations such as you going bankrupt or having similar proceedings taken against you, if any of the information you gave us when you applied for the credit is found or suspected to be to be untrue, your bank account with us or any member of HSBC Group is frozen, if adverse information is received from credit reference agencies or if you die; ii. we have reasonable grounds for suspecting fraudulent or unauthorised use of the Card; or iii. we have reason to believe that the security of the Card or Card details has been compromised. b We may end this Agreement in any of the circumstances set out in Clause 9a, or if you seriously breach the terms of this Agreement (for example, if you do not make repayments on time or at all) and demand repayment of the balance on the Account, in each case we will serve on you any notice required by law. c This Agreement has no fixed duration, however it will also end when either of us gives notice in writing to the other and where you end this Agreement, when you return to us all Cards. We will give you 2 months notice if we end this Agreement under this Clause 9c. d If this Agreement ends: i. you must ensure there is no further use of the Card, and cancel any payment authorities and standing orders; ii. you will be liable for transactions made before or after this Agreement ends (apart from any referred to us for authorisation after it ended); iii. the terms of this Agreement will continue to apply until we have been paid in full; and iv. we may require immediate repayment of the balance on the Account. e. If you have a Platinum Credit Card with Annual Travel Insurance, the insurance cover will end when this Agreement ends. The annual fee is not refundable.
9 9 f. On your death, the obligations under this Agreement will continue until all Cards have been cut in half and returned to us and the balance on the Account has been paid. Any Additional Cardholder must immediately stop using the Card and must return it to us cut in half. 10. General a. We may at any time transfer our rights and/ or our obligations under this Agreement to someone else. If we do this, it will not affect your rights and/or your obligations. You may not transfer any of your rights and/or obligations. b. Any security given by you to us does not apply to this Agreement. c. We may, at our discretion, relax any of the terms of this Agreement but we shall still be entitled to strictly apply them again at any time. d. If you have a dispute with a someone else over a transaction made with your Card, you must keep making payments to us while you are resolving it. e. We may use any credit balance on any other account you hold with us, to reduce or repay any sums you fail to pay under this Agreement. We will give you a reasonable opportunity to pay the outstanding sums before we do so. We will tell you as soon as possible after we do so. f. We will not be liable to you for any loss due to: i. any failure or delay in providing our service caused by strikes, industrial action, failure of power supplies or computer equipment or other causes beyond our reasonable control; ii. anyone else or any cash machine not accepting or retaining your Card, or the way in which any such non acceptance is conveyed to you. g. This Agreement is governed by English law and you agree that any legal case concerning this Agreement will be heard by courts of England and Wales. h. We are required by law to tell you that the terms of this Agreement are in English and that we will communicate with you at all times in English. You may at any time during the term of this Agreement request a copy of this Agreement. i. You must notify us immediately if you change any of your name, address, telephone number or your address. j. Any Additional Cardholder has no right under the Contract (Rights to Third Parties) Act 1999 to enforce any term of this Agreement. k. To facilitate debt recovery overseas, we may appoint another member of the HSBC Group to act on our behalf. 11. Your information Confidentiality a. Information we hold about you will not be disclosed to anyone (including other members of the HSBC Group), other than where: we are legally required to disclose, we have a public duty to disclose, our interests require disclosure, the disclosure is made with your consent, as set out in the terms below. Credit Reference Agencies b. We may share information with credit reference agencies (CRAs) to verify your identity and suitability for an account, using information from the Electoral Register and other public sources. We may use details of your credit history to assess your ability to meet your financial commitments. c. The CRAs will record details which will form part of your credit history whether or not you proceed with your application and if you make several applications within a short period of time, this may temporarily affect your ability to obtain credit. Where you have agreed, we may share details of how you manage any current accounts or borrowing from us with CRAs. d. If we make demand for repayment following default and you fail to repay the sum due in full or to make and keep to acceptable proposals for repayment within 28 days, we may (in the absence of any genuine dispute about the amount owed) register the default with the CRAs which may affect your ability to obtain further credit. Crime Prevention and Debt Recovery e. To prevent crime, verify your identity, recover debt and to meet our legal obligations, we may exchange information (both within the UK and, where appropriate, overseas) with other members of the HSBC Group and where appropriate, with fraud prevention, law enforcement, debt recovery agencies and other organisations including other lenders. f. If you give us false or inaccurate information and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Please refer to clause 11n for more information regarding the use of data by fraud prevention agencies.
10 10 Data processing g. The HSBC Group may use and share relevant information about you, your transactions and your relationships with the HSBC Group for credit assessment, customer service, market research, insurance, audit and administrative purposes. This may include information provided by you, or someone acting on your behalf. Where appropriate (for example if you have relationships with other HSBC Group Companies in other countries), this information may be shared with HSBC Group Companies outside the UK. h. We may use other HSBC Group companies and/or third parties to provide services on our behalf which may include the processing of information about you. i. Whether it is processed in the UK or overseas, in accordance with data protection legislation, your information will be protected, by a strict code of secrecy and security which all members of the HSBC Group, their staff and any third parties are subject to. j. Information may also be processed for the purposes of complying with applicable laws, including anti-money laundering and antiterrorism laws and regulations and fighting crime and terrorism. This may require the disclosure of information to a UK or overseas governmental or regulatory authorities or to any other person we reasonably think necessary for these purposes. k. We may provide information about you and the conduct of your account to any additional cardholder and to any person to whom we transfer our rights and obligations under this agreement. Information about products and services l. If you agree, the HSBC Group may use and share relevant information about you, your transactions and your relationships with the HSBC Group, to give you information about products, services (including mortgages) and promotions, available from HSBC Group companies and those of selected third parties which may interest you by post, telephone electronic and other means. The HSBC Group may also exchange, analyse and use relevant information about you in the way described above to ensure that promotional content displayed to you on screen when you log on to HSBC Group websites is more likely to be relevant and of interest. We will ask you whether you are happy for us to contact you about such products and services or use what we know about you to help decide what we display to you on our websites, when you open an account. If you change your mind at any time please let us know. Miscellaneous m. Under data protection legislation, you can make a written request for a copy of certain personal records we hold about you. The current fee is per request from each individual. n. Further details explaining how information held by CRAs and fraud prevention agencies may be used is set out in a leaflet entitled Credit Scoring, Credit Reference and Fraud Prevention Agencies available on our website or can be requested from branches or by phoning (Textphone ). Please call this number if you require details of the CRAs and fraud prevention agencies we use. Lines are open 8.30am to 6.30pm Monday to Friday (excluding Bank Holidays). o. To ensure that we carry out your instructions accurately, to help us to improve our service and in the interests of security, we may monitor and/or record your communications with us. Any recordings remain our sole property. p. We will obtain your written consent before providing a banker s reference about you, however, if we receive a request from another financial services institution we will provide information required to verify your identity for money laundering prevention purposes. Additional Information for credit card products and services q. For products (such as insurance) that are not provided by the HSBC Group, we will exchange information about you and your account in relation to that product with the chosen product provider(s). This will include changes to your name, address, card number and other relevant information (including secondary card holder/additional policy holder details). Details of the product provider(s) used are included on this form. With the HSBC Group s approval, product provider(s) and their associated companies and agents will also process information about you, including sensitive data such as health records, in the manner described above, to the extent necessary for providing you with the product described (such as when
11 11 making decisions about your eligibility for cover, assessing claims, undertaking crime prevention measures and passing information to regulators and/or ombudsman). In this context, we and related words and phrases include the product provider. If you require details of any fraud prevention agencies used by our product provider(s) please call (Textphone ). Complaints procedure If we do not deliver the standard of service you expect, or if you think we have made a mistake, please let us know. We will then investigate the situation and, if necessary, set about putting matters right as quickly as possible. In addition, we will take steps, where appropriate, to prevent a recurrence. Please allow your branch manager or the manager of the department concerned the first opportunity to answer your concerns and put matters right. However, if you remain dissatisfied and would like further information about our process for resolving complaints please ask for our explanatory leaflet Listening to your comments. If we are unable to resolve your complaint to your satisfaction you may then complain to the Financial Ombudsman Service, Exchange Tower, London E14 9SR. Tel: Website: HSBC Bank plc HSBC Bank plc is established at 8 Canada Square, London E14 5HQ which is its registered office. HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are a financial services organisation and banking institution. The Financial Conduct Authority is the supervisory authority under Consumer Credit Act Its address is 25 The North Colonnade, Canary Wharf, London, E14 5HS. HSBC Bank plc is entered in the Financial Services Register under reference number You can check this on the Financial Services Register by visiting the Financial Conduct Authority website or by contacting the Financial Conduct Authority on The following Direct Debit Guarantee applies to customers opting to make credit card repayments by Direct Debit. Important Information Right of withdrawal You have the right under section 66A of the Consumer credit Act 1974 to withdraw from this Agreement, without giving any reason, during a period beginning the day after you have received your Card and notice of your credit limit and ending after 14 calendar days. You can withdraw from the Agreement by sending written notice of the cancellation to HSBC Bank plc at Card Service Delivery, PO Box 6001, Coventry CV3 9FP or by calling If you withdraw from the Agreement you will have to repay to us the credit you have taken under the Agreement and pay to us any interest accrued on that credit at the applicable rate for the transaction(s) without delay and in any event no later than 30 calendar days after giving notice to withdraw. You can do this by cheque or any other appropriate means. Where you use your Card during the 14 day withdrawal period, if you ask us we will inform you without delay of the amount of interest payable per day. Goods and Services If you purchase any item of goods or services costing between and 30, using credit under this Agreement then if, for example, the goods fail to arrive or are not of satisfactory quality or there was a misrepresentation by the supplier regarding the goods then you may have a right of redress against us as well as the supplier. Missing Payments Missing payments could have consequences such as making obtaining credit more difficult and could result in legal action to recover any debt owed under this Agreement.
12 12 The following Direct Debit Guarantee applies to customers opting to make credit card repayments by Direct Debit. The Direct Debit Guarantee The Guarantee is offered by all banks and building societies that accept instruction to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit HSBC Bank plc, Card Services will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request HSBC Bank plc, Card Services to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit, by HSBC Bank plc, Card Services or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you are not entitled to, you must pay it back when HSBC Bank plc, Card Services asks you to. You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify HSBC Bank plc, Card Services. This document has been printed on paper made from responsibly-managed forests. hsbc.co.uk Issued by HSBC Bank plc Customer information: PO Box 6201, Coventry CV3 9HW Printed by St Ives Management Services Ltd MCP43345T 01/15 HSBC Bank plc All Rights Reserved.
HSBC Premier Credit Card Agreement Terms HSBC Premier Credit Card Agreement Terms 1. Definitions These are the definitions used in this Agreement: Balance Transfer : a transfer to the Account of an amount
first direct credit card terms 1 Definitions These are the definitions used in this Agreement: : a transfer to the Account of an amount you owe to another lender (who is not a member of the HSBC Group)
Our agreement with you Virgin Credit Card Terms CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 You can ask us for a copy of this agreement at any time. 1. Who provides the credit card?
Credit Cards Sample Credit Card Agreement Please note this is a sample credit card agreement. It does not contain a credit limit, any interest rates, an APR or the Total Amount Payable as this information
Instructions for your HSBC Premier Credit Card application. Please provide the following information so we can complete your application: 1. Print your name, address and post code in the required fields
Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions With effect from 5 July 2015 Terms and conditions of the
smile current account Terms and Conditions Terms and Conditions of the smile current account, overdraft and debit card (incorporating smilemore and smile student) With effect from 5 July 2015 Terms and
Credit Cards Tesco Credit Card General Conditions What you need to know This forms part of and should be read with your credit agreement signed by you and us. When we refer to us in this document we are
Important information Nationwide Credit Card Agreement Nationwide Credit Card Agreement Credit Card Agreement regulated by the Consumer Credit Act 1974 The below Definitions, Key Terms, Tariff of Charges
Business Debit Card Cardholder Terms HB00520_BusDebitCard_TC-12pp.indd 1 01/08/2012 15:07 2 Cardholder Terms These Business Debit Card Cardholder Terms (these Cardholder Terms ) apply to the use of the
CUSTOMER COPY Credit Agreement IMPORTANT INFORMATION 1. Amount of credit limit: Credit limit is notified to you from time to time. 2. Duration of agreement: No fixed period, see Condition 8 of the Terms
Your Virgin Essential Current Account The Terms July 2015 These are the Terms of your Virgin Essential Current Account. These Terms, along with our Welcome guide, make up our agreement with you. We give
CASH ADVANCE At American Express we will endeavor to ensure that you are given important information in the clearest format possible. The information contained in this table summarises key product features
Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough
M&S CURRENT ACCOUNT AND M&S MONTHLY SAVER Terms and conditions EFFECTIVE FROM 8 JANUARY 2015 1 NEW FASHIONED BANKING Contents Page Page Summary of our M&S Current Account Terms and Conditions 3 Contact
Business Charge Card and Business Credit Card DECEMBER 2014 CONTENTS 1. Use of Your Business Credit Card or Business Charge Card 3 2. Making and Stopping Payments 4 3. Payments and Statements 4 4. Refunds
Our standard terms and conditions for Your Advanced Personal Loan. For loans approved on or after 6 June 2015 6 June 2015 Important Information The information set out below forms part of your disclosure
Business Banking Terms Business Customers Ahead for business Contents Page Use of your information and regulatory details 3 Account Terms 5 Section A General terms which apply to all Accounts 6 Section
ANZ Commercial Card TERMS AND CONDITIONS 11.2015 ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One Containing Terms and Conditions for: Facility Terms and Conditions Electronic Banking Conditions
Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions Terms and conditions of the Current Account, Current Account
cahoot general conditions 1. Introduction 1.1 The agreement sets out how each cahoot account operates and explains our obligations to you and your obligations to us. The agreement consists of these terms
Your Current Account Terms NatWest Personal & Private Current Account Terms Personal & Private Current Account Fees & Interest Rates Helping you get the most from your Personal & Private NatWest Current
Your Current Account Terms RBS Personal & Private Current Account Terms Personal & Private Current Account Fees & Interest Rates Helping you get the most from your Personal & Private RBS Current Account
PAGE 1 OF 9 The following Terms and Conditions cover personal savings accounts with Shawbrook Bank Limited. These Terms and Conditions, Your Application, and the Key Product Features, comprise the agreement
First Trust Bank Visa Card / First Trust Bank MasterCard INTO Visa Card / ICAI Gold MasterCard Terms & Conditions of use Effective date 30 June 2015 These conditions apply to the Agreement (referred to
NAB Purchasing and Corporate Card Facility Terms and Conditions including general explanatory information Effective 25 June 2009 Contents Part A Terms and Conditions Definitions and interpretations 2 Cardholders
Credit Cards Advance Credit Card draft terms and conditions. Your draft terms and conditions FC1 CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 These are the conditions of an agreement
YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions July 2015 Changes to your Bank Account or Savings Account Conditions We are making some changes to the conditions that apply to our
ANZ Credit Card Conditions of Use CREDIT CARDS Effective AUgust 2014 Fiji Edition Important Notice This document does not contain all the pre-contractual information required to be given to you. Contact
David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection Terms and Conditions Issued May 2016 DAVID JONES STORECARD AND DAVID JONES
Actorcard Prepaid Visa Card Terms & Conditions These Terms & Conditions apply to your Actorcard prepaid Visa debit card. Please read them carefully. In these Terms & Conditions: "Account" means the prepaid
Debt Management Plan Terms of Business Important Note These terms of business (the Terms ) explain the rights and obligations of You and Us regarding the provision of your Debt Management Plan. You should
M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER Banking terms and conditions EFFECTIVE FROM 17 FEBRUARY 2015 NEW FASHIONED BANKING Contents Page Page Section
NatWest Personal & Private Savings Account Terms Personal & Private Savings Account Additional Charges and Fees Information Fixed Rate Bond Terms Fixed Term Savings Account Terms Fixed Rate ISA Terms For
HALIFAX CASH ISA. Conditions and information Welcome to Halifax 3 Section 1 How these conditions work 5 Section 2 Special Conditions 7 ISA Saver Variable 12 ISA Saver Online 13 ISA Saver Fixed 14 Junior
Tesco Credit Card General Conditions What you need to know This forms part of and should be read with your credit agreement signed by you and us. When we refer to us in this document we are referring to
ATM/Debit Terms and conditions www.bankofireland.com Bank of Ireland is regulated by the Central Bank of Ireland. 37-1108R (11/11) Terms and Conditions ATM Card and Visa Debit Card 1.0 Definitions of Terms
YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions April 2014 This booklet contains the general conditions that apply to our personal bank accounts and some related services. Please
Personal Banking Terms and Conditions and Charges Effective from 18 June 2015 2 Personal Banking Terms and Conditions and Charges Contents Page Charges and Overdrafts 3 Charges 3 Overdraft 5 Current account
Basic cash account www.bankofireland.co.uk This document can be made available in Braille, large print or audio upon request. Please ask any member of staff for details. Bank of Ireland UK is a trading
Rothschild Visa Card Terms and Conditions These Rothschild Visa Card Terms and Conditions (June 2010 edition) are in addition to and supplemental to the Bank s standard Terms and Conditions (October 2007
TERMS AND CONDITIONS Terms and Conditions 1 Contents Section Page Introduction 2 General Conditions Section A Conditions of General Application 4 Section B Adam Select Card Conditions 25 Section C Adam
Visa Company Card CONDITIONS OF USE This guide is current as at April 2015. This document is a legal contract between you and ANZ Bank New Zealand Limited in respect of the issue, and use of, Visa Company
Post Office Personal Loans Terms & Conditions 1. INTRODUCTION Post Office Personal Loans are provided by Bank of Ireland Personal Finance Limited. In this Agreement, we, Bank of Ireland Personal Finance
barclaycard commercial gold credit card terms and conditions barclaycard commercial Credit card agreement regulated by the Consumer Credit Act 1974 These are the terms and conditions of the agreement between
Visa Gold Card SUMMARY BOX Allied Irish Bank (GB) Visa Gold Card The information contained in this table summarises key product features and is not intended to replace any Terms & Conditions. APR Interest
Credit Cards Lloyds TSB Premier Duo Avios Credit Card Account draft terms and conditions. Your draft terms and conditions FC1 CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 These are the
BNZ Advantage Credit Card Terms and Conditions. 1 May 2015 This document contains the terms and conditions that apply to BNZ Advantage credit card accounts operated by you, including the terms and conditions
American Express Business Credit Card Conditions Effective 1st June 2006 Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW 2001 Lost or Stolen Cards In Australia
credit cards Our terms and conditions for Your credit card Contents PAGE 4 Introduction and Definitions Scope Agreement Read these Terms and Conditions Over-riding laws Guarantees as to service Interpretation
Virgin Current Account Terms and Conditions July 2015 Contents 1. Opening your account 2. Payments into your account 3. Taking money out of your account 4. Contact 5. Keeping us informed 6. Keeping you
Consumer Banking Terms and conditions alrayanbank.co.uk Contents 1. Introduction 3 2. Section A Current Account 9 3. Section B Online personal banking conditions 27 4. Section C Telephone banking conditions
Personal Banking Bank Account Conditions. Applicable from 30 July 2015. Bank Account Conditions. This booklet contains the general conditions that apply to our personal bank accounts and some related services.
Foreign currency account Terms and conditions Terms and conditions of the foreign currency account, (incorporating foreign currency current account and foreign currency deposit account) Please read and
VISA credit card Conditions of Use EFFECTIVE FROM 20 MARCH 2013 a refreshing attitude to banking QUEENSLAND COUNTRY CREDIT UNION VISA CREDIT CARD 1 Contents 1. Introduction 3 2. Additional Cards 3 3. Application
GENERAL TERMS AND CONDITIONS 1. DEFINITIONS Account the account we open to record Transactions; Additional Cardholder any person who is resident at the same address as the principal cardholder and to whom
Give me the facts Effective 10 November 2014 Contents Page Welcome 3 Discover the difference 3 Ways to bank 3 Making payments 5 Payments by cheque 8 Overdrafts 9 Switching Process 11 Additional information
I loved reading the terms & conditions! said no one, ever term deposit terms + conditions index. Part a - general terms and conditions. 2 1 Purpose of this booklet. 2 2 Meaning of words used. 2 3 Opening
Travelodge Business Account Card Terms & Conditions The agreement between You and Travelodge Hotels Ltd, a company incorporated under the laws of England, with a registered office at Sleepy Hollow, Aylesbury
PRE-CONTRACT CREDIT INFORMATION (Standard European Consumer Credit Information) 3 Year Fixed Rate credit card 1. Contact details Creditor. Address. Telephone number(s). 2. Key features of the credit product
Savings Terms and Conditions Contents 1. Opening your account 2. Payments into your account 3. Taking money out of your account 4. Notice periods 5. Contact 6. Keeping us informed 7. Keeping you informed
CASH ADVANCE At American Express we will endeavor to ensure that you are given important information in the clearest format possible. The information contained in this table summarises key product features
Cashback Plus Terms 1. Introduction Cashback Plus is operated on behalf of us, National Westminster Bank Plc by Sports Loyalty Card Limited (trading as Reward), a private company incorporated in England
Card Conditions of Use The use of all Credit and Debit cards issued by HSBC Bank Malta p.l.c. including MasterCard Card/VISA Card/Quikcash Card, International Debit Cards & PINs are governed at all times
True Rewards Card Conditions of Use True Rewards ASB Bank Limited 55930 1300 0315 Hello and welcome! These are the conditions of your agreement with ASB Bank Limited, PO Box 35, Shortland Street, Auckland
Cumberland Business Debit Card Terms & Conditions These Conditions apply to the use of business debit cards issued by Cumberland Building Society ( the Society ) by which you can: withdraw money, or obtain
Business Account Terms and conditions Terms and conditions Business Account Please read and keep your business account terms and conditions (conditions) in a safe place. These conditions (including those
Credit Cards 1 Conditions of Use Privacy Statement and Consent to Use Your Information 25 May 2015 making banking easier About these Conditions of Use Your Card Contract comprises: (1) these Conditions
BUSINESS CHARGE CARD User Guide Keeping control of business expenses This leaflet explains how to make the most of your Business Charge Card whether you will be using the card yourself, or managing the
Personal and Private Banking Accounts Terms and Conditions Personal and Private Banking Accounts Contents Part One Universal Conditions 1. Introduction 3 2. Eligibility for an Account 3 3. Giving us instructions
SELF-Directed Nationwide customer agreement Customers not receiving advice This important document describes the terms and conditions that will apply if you invest on a selfdirected basis without advice.
Your Loan Account Number 000000000 FIXED SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 These are the terms of an agreement between Us, Bank of Scotland plc of Personal Loans Service Centre,
HSBC Life Cover (Level and Decreasing) Everything you need to know for: Personal Protection and Business Protection 2 Contents Section Page Policy Summary 3 Type of Insurance and Cover 3 Significant Features
Savings account conditions and information. Welcome to Cheltenham & Gloucester. Thank you for choosing a C&G savings account. This booklet contains the conditions that apply to your personal savings account.
Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Penalty APR and When It Applies Paying Interest Minimum Interest Charge Credit Card Tips from the Federal Reserve Board CARDMEMBER
The Community Mutual Group Visa Credit Card Conditions of Use The Community Mutual Group, Hunter Mutual, New England Mutual and Orana Mutual are trading names of Community Mutual Ltd: ABN 21087650360 :
CREDIT CARD CARDHOLDER AGREEMENT (This Agreement applies to Visa Platinum, Visa Gold, Visa Classic or other cards issued by HSBC) IMPORTANT! Before you use your Card, please read this Agreement carefully.
cahoot CHAPS and International Payments terms and conditions These terms and conditions (the Conditions ) set out your rights and obligations when you request us to make any of the following payments in
Lombard Finance Pty Limited Phone: 1300 132 302 PO Box 6227, Baulkham Hills NSW 2153 ABN 31 099 651 877 Australian Credit Licence 247 415 V0312 Lombard Visa Card Account Conditions of Use Your contract
Business Credit Card Application Form Limited Companies or Limited Liability Partnerships requesting up to 2 cardholders Note to Bank staff: Please complete when 2 or less cards are requested. For requests