Monday, June 24, 2013

What you need to know about your HSBC Credit Card

What you need to know about your HSBC Credit CardWhat you need to know about your HSBC Credit Card effective 20 March 2013 1 Visa Credit Cards Customer Service Centre For customer service, lost or stolen or PIN queries: Call 132 152 Within Australia 1800 029 951 Overseas (61 2) 9005 8511 (reverse charges). HSBC Premier Centre Call 1300 301 168 Overseas (61 2) 9005 8192 If we are not notified, you may be liable for unauthorised use. Refer to conditions 13 and 14 of the HSBC Credit Card Conditions of Use. Important notice These conditions replace all HSBC Visa Credit Card Conditions of Use previously issued. This document does not contain all of the terms of your loan agreement or all of the information we are required to

give you before the contract is made. Further terms and conditions and information are included in any sales voucher given to you by a merchant at the disclosure date and the schedule. The credit card contract governs the operation of the account and the use of a card. The schedule and HSBC’s Visa Credit Card Conditions of Use detail the respective rights and obligations for yourself, users and HSBC Bank Australia Limited, and offers guidance on the proper and safe use of cards and electronic banking services. You may obtain general descriptive information on our services and procedures by requesting a copy of the booklet “Your personal banking guide” at any of our branches. Information on current interest rates, our fees and charges and government charges is available on our website, www.hsbc.com.au or by calling 132 152. We strongly recommend that you and any additional cardholder read this booklet carefully and retain it for future reference. If you do not understand any part of this booklet, please contact us on 132 152. We will be happy to explain any matter to you. 2 3 26 What happens if you breach this contract 37 27 BPay ® payments 38 28 Consequential Damage and Indemnity BPay ® Scheme 40 29 Chargeback Information 41 30 Commissions 42 31 If we take security over your deposit with 42 32 Special promotions 42 33 General matters 43 Form 5 Information Statement 47 Things you should know about your proposed credit contract 47 The contract 47 Insurance 49 General 51 Direct Debit Request Service Agreement 53 Preamble 53 Definitions 53 1 Debiting your account 54 2 Changes by us 54 3 Changes by you 54 4 Your obligations 55 5 Disputes 55 6 Accounts 56 7 Confidentiality and privacy 56 8 Notice 57 Privacy Consent and Declaration 57 Table of contents Conditions of Use 1 Meaning of words 4 2 Activating your card and agreeing to these Conditions of Use 9 3 Application of codes of practice 10 4 Privacy 10 5 Additional cardholders 11 6 Cards 12 7 Linked accounts 13 8 Security of access methods 13 9 Reporting lost or stolen cards, unauthorised use of a card or breach of PIN security 16 10 Using the card 16 11 How we process transactions if the card is used outside Australia 19 12 Using an EFT terminal 20 13 Liability for unauthorised EFT transactions 20...

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