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The Hbc credit card credit card reviews

The Hbc credit card credit card details and credit card application link.

The Hbc credit card is a financial product of Hbc which comes with no annual fee, annual interest rate of 28.8 percent on purchases and 29.9 percent on cash advances. There is a grace period of 21 days on the condition that one’s outstanding balance is paid on time and in full. The minimum monthly payment amounts to $5 or 1/30 of one’s new balance, whichever is greater. The foreign currency conversion is at 2.5 percent and some other fees apply: replacement statement copy fee of $3, returned check fee of $30, transaction receipt copy fee of $2, over limit fee of $20, and cash advance transaction fee of $1 or 2 percent up to the maximum amount of $10.

To apply for the financial product of Hbc, individuals must be permanent residents of Canada, have reached the minimum age requirement in their territory or province, have not filed for bankruptcy over the last 7 years, be currently employed, and dispose of a minimum annual income of $15,000. Applications may be filled in online, and potential clients are asked to give personal details such as home phone and address, length of time at current address, annual income, date of birth, Social Insurance Number, etc. Applicants are first considered for the MasterCard option. Individuals who already hold an Hbc Credit Card and seek to upgrade it can visit any of the Hbc stores or call 1-877-257-1286.

Among the benefits that come with this card are supplemental cards at no added cost, receiving exclusive offers such as Installment and Deferred Payment Plans and Credit Exclusives, and shopping at the Sunoco and Esso branded stations and Hbc stores: Home Outfitters, Zellers, Bay, and Fields. Card holders earn 50 rewards points for $1 in purchases made outside the Hbc stores.

This credit card comes with Account Protector coverage in case of involuntary job loss, disability, loss of life, and accidental death. No medical is required, with the card holder only meeting the age eligibility requirements, aged 18 and older and under 75.

The online banking service offered by Hbc is fast, free, and convenient, allowing clients to change their address details, view a summary of their account, and add other users. Individuals can monitor recent activity on the account and download transactions anytime. In case card holders cannot access their account, they can call the Hbc Customer Service department and notify of any problems from Monday to Friday (9 am – 9 pm).

In case the interest rate is too high for you, it is wise to shop around. For instance, the ScotiaGold Passport VISA goes with an interest rate of 19.5 percent, annual fee of $110, grace period of 21 days or more, comprehensive travel insurance, and the opportunity to earn 30,000 bonus points. With a minimum credit limit of $5000, the card offers many other advantages. Clients can call the Concierge service of Scotiabank to get assistance with floral delivery, coordination of a household service provider, booking tennis or ski lessons, making restaurant reservations, and obtaining event and sporting tickets. With the rental car discounts, card holders get 20 percent off at AVIS car rental branches all over the world. Finally, easy cash advances can be obtained at more than 1 million ATMs or any branch of Scotiabank.

Credit Card Details
NameThe Hbc credit card Apply Now
Interest Rate28.8%
Annual Fee$0
Cash BackNo
Low InterestNo
Auto and GasNo
Instant ApprovalNo
Balance TransferNo
US DollarNo
No Annual FeeYes