This article will guide you through the process of applying for a credit card at HSBC.
Each bank will have its own requirements and eligibility criteria for each of their credit cards. You can look at the bank's website or contact their contact center to find out more.
In general, though, to be eligible for a credit card, you need to meet the following requirements:
You must be either Vietnamese or a foreigner living in Vietnam, aged 18 years or older. You will need your ID card or passport for registration.
You must provide proof of your income through documents like salary slips or bank statements. Banks often require proof of income for the last 3 months.
The bank may require you to live in one of a list of specific cities. Areas and places far from where the bank is operating may be excluded from the bank's list of eligible locations.
Your credit history is a record of how you repay debts. Anyone who has ever made debt repayments will have their information stored in the Credit Information Center (CIC). All banks have access to this system to check the credit history of customers who apply for a credit card.
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- Hanoi
- Ho Chi Minh City
- Ba Ria - Vung Tau
- Bac Ninh
- Binh Duong
- Da Nang
- Dong Nai
- Hai Duong
- Hai Phong
- Hoi An
- Hue
- Hung Yen
- Long An
- Tay Ninh
- Vinh Phuc
Also, if you're a foreigner, you need to have had a residence permit in Vietnam for at least 12 consecutive months when you apply for an HSBC credit card.
To apply for an HSBC credit card, you need to provide the following documents:
1. Completed credit card application form - original copy. Fill in the form.
2. Identification documents (ID card for Vietnamese people, passport and visa/temporary residence card or work permit for foreigners)
3. Current proof of residence.
If the address on your ID/passport/temporary residence card (if any) is not your current residential address, you must provide one of the following:
4. Employment proof
5. Income proof
If you earn a salary, you need to provide bank statements showing the latest 3 months of salary payments.
If you’re self-employed, you need to provide all of the following documents:
We may also require some other documents depending on the specific case.
Most bank offer two ways to submit your credit card application: in the branch or online.
Now you can easily apply for a credit card online without going to a bank branch. This lets you access the service faster and offers significant advantages.
To apply for a credit card online at HSBC, you should prepare the documents mentioned above and follow these steps:
1. Select the 'Apply online' button.
2. Enter your details to receive a security code via SMS.
3. Enter the security code.
4. Follow the instructions on the screen to continue your application.
5. Prepare and upload the required documents.
6. Submit your completed application.
Our staff will contact you soon to evaluate or help you finish the application.
You need to arrange a time to go to a bank branch during office hours. The bank staff will give you the application form and you need to provide the necessary information along with the pre-prepared credit card application documents.
The bank evaluates your application to see if you meet all the requirements to open a credit card based on key factors such as:
To get your credit card application approved as quickly as possible, pay attention to the following factors.
Before deciding to apply for a credit card, you should thoroughly research the fees, charges and benefits as well as the rewards of your card type. If you have difficulty in preparing your application, don't worry, just leave your information and the bank staff will contact you to help you with your application.
Depending on your spending habits and preferences, HSBC offers you the following credit card options:
Use our card comparison tool to compare benefits, terms and conditions of HSBC credit cards.
Once you've made your application on the bank's website, the bank will contact you for a 10-minute video call to review your documents and assess you financially. The picture as well as voice quality of video calls rely heavily on network performance, so it's important to make sure your internet connection is stable.
If network problems occur during the call, the staff may have to reschedule the appointment, and your application will therefore be deferred.
Whether you apply for a credit card online or at a bank branch, the bank may contact you to verify information and request additional documents. Therefore, you need to pay attention to incoming calls at this time so that the bank can get the information and issue your credit card as quickly as possible.
Banks use credit scores as a way of assessing the creditworthiness of their customers. Having a good credit score not only helps you get your credit card application approved quickly, but can also help you get bank loans with better interest rates later on.
Learn more: how to maintain a good credit score.
