Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HSBC Credit Card Statement

    Credit cards have introduced people to a whole new world of financial freedom. Of late, it has become one of the most sought-after financial product in the market. From tackling month-end bankruptcy to unplanned expenses, credit cards have made it easy to slide through all these issues. However, it is important to keep a track of the expenses one is making using their credit card. Overshooting their credit limit or making late payment can affect their credit score badly. So, to help the cardholders keep a track of their credit card expenditure, banks had introduced credit card statement.

    A credit card statement can be defined as the monthly assertion that records all the payments, expenditure, and other debit and credit payments made to one’s credit card account within a particular billing cycle.

    HSBC Credit Card Statement Online

    HSBC Bank Credit Card Statement

    HSBC Bank provides credit card statement to its credit card customers where they list down purchases, payments and other debit and credit made to the card. Listed below are the benefits of email statements sent by HSBC for its credit card customers:

    • Credit card statements are free of cost.
    • Cardholders don't have to go to the bank to get the account summary of their credit card because the banks provide email statements also.
    • Credit card statements also offer information about new products and updates about services provided by HSBC bank.
    • Through these statements, cardholders can keep a track of the rewards and cashback offers that they are eligible for.

    Understanding your HSBC Bank Credit Card Statement

    An HSBC credit card statement is divided into eight different sections. Every small transaction detail is mentioned on it clearly so that the cardholder gets a clear picture of his expenditure. Listed below are the various sections and sub-sections on an HSBC credit card statement:

    • On the top left-hand corner of the statement, details like the name, email address and residence address of the cardholder is mentioned.
    • On the top right-hand corner of the statement, the following details are mentioned under the section called Statement of (Name of the HSBC Card) Credit Card:
      • Payment Due Date
      • Total Dues
      • Minimum Amount Due
      • Credit Limit
      • Available Credit Limit
      • Available Cash Limit
    • Account Summary
      • Opening Balance
      • Payment/Credits
      • Purchase/Debits
      • Finance Charges
      • Total Dues
    • Past Dues (If Any)
      • Overlimit
      • 3 Months+
      • 2 Months+
      • 1 Month
      • Current Dues
      • Minimum Amount Due
    • Domestic Transactions
      • Date
      • Transaction Description
      • Amount
    • Rewards Points Summary
      • Opening Balance
      • Earned
      • Disbursed
      • Adjusted
      • Closing Balance
    • Offers on Your Credit Card
    • Important Information

    How to Avail HSBC Credit Card Statement Online as well Offline

    Cardholders can make a request for online credit card statements using the NetBanking facility. Once this request is fulfilled, the bank will discontinue sending hard copies of their credit card statement. Offline credit card statements can be obtained by via post. For this, the cardholder will have to visit their nearest branch of HSBC bank to register for the same.

    How to Manage Errors in an HSBC Bank Credit Card Statement

    In case the cardholders spots an expenditure on their credit card that they didn't make, they must make it a point to bring it to the attention of their bank. For instance, at times, cards get double-swiped. Listed below are ways in which the cardholder can fix an error in their credit card statement:

    • Inform the merchant: Cardholders can talk to the merchant and inform them about the discrepancy that has been spotted in the statement. The merchant might rectify the mistake. That way, the cardholder will not need to involve the credit card issuing bank. In case this doesn't happen, the cardholder can take their complaint to the bank.
    • Keep your paperwork ready and updated: To support their claim against the erroneous transaction, the cardholder will need to keep a record of the credit card statement, receipts, and anything else that can help them prove that the transaction mentioned is incorrect.
    • Within 2 months of receiving the bill, the cardholder can send a letter outlining their objection and copies of their proof in an envelope addressed to their creditor's department for billing-related inquiries.

    FAQs on HSBC Bank Credit Card Statement

    1. Who all can register for HSBC bank credit card email statement?
    2. All current and savings account holders can register for email credit card statement.

    3. How frequent can a cardholder receive email credit card statements?
    4. Savings account customers who register for email statements can receive a monthly update of their accounts. Customers who have current accounts with HSBC bank can choose to get daily/weekly/monthly statements via email.

    5. How can one register for email statements?
    6. Cardholders can register for email statements through the NetBanking facility of HSBC or by visiting their nearest HSBC branch.

    7. Will the cardholder continue to receive hard copies of their credit card statements after opting for the online version?
    8. Once the cardholder registers for an email credit card statement, issuance of hard copies of the same will be discontinued.

    9. Does the cardholder need to pay to avail the credit card statement via email?
    10. The facility of availing credit card statements via email is free of cost.

    Know More About Credit Card Statement

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