If you do not pay off the full amount outstanding, we
willallocate your payment to the outstanding balance in aspecific
order, which is set out on the reverse of thisstatement. The way in
which payments are allocatedcan make a significant difference to
the amount of interestyou will pay until the balance is cleared
completely.Minimum paymentsIf you make only the minimum payment
each month, it w illtake you longer and cost you more to clear your
balance.
MR KARL GRIMESFuchsiaRosses PointSligoIrelandIRELAND
Your Gold Credit Card statementContact tel 08457 404 404
From Overseas tel 44 1226 261 010
Lost and Stolen Cards 08456 007 010 (24 hrs)From Overseas tel 44
1442 422 929 (24 hrs)
Text Phone 1800 108457 125 563used by deaf or speech impaired
customers
www.hsbc.co.uk
Account SummaryCredit Lim it 8,000.00APR 17.9%Previous Balance
732.13Debits 1,348.57Credits 1,052.00New Balance 1,028.70Minimum
payment 25.72Payment to be credited by 04 Jan 2013Your nominated
bank account will be debitedby 25.72 on 04 Jan
Statement Date 10 December 2012 Card number Sheet number 1 of
2
MR KARL GRIMES 4941 2020 8152 3405 Your Transaction Details
Received By Us Transaction Date DetailsAmount
09 Nov 12 07 Nov 12 rainbow towers harare ZW 23.6736.60
[email protected]
10 Nov 12 07 Nov 12 SKY DIGITAL KIRKTON CAMPU IE 27.7733.75
[email protected]
12 Nov 12 11 Nov 12 CARREFOUR-MALL OF THE DUBAI AE 69.91396.40
[email protected]
13 Nov 12 11 Nov 12 The Butcher Shop n Gri Dubai AE 39.95226.00
[email protected]
13 Nov 12 12 Nov 12 SHOE CITI LLC DUBAI AE 52.59297.50
[email protected]
13 Nov 12 12 Nov 12 DECATHLON-SPORTING TRE DUABI AE 8.4948.00
[email protected]
16 Nov 12 15 Nov 12 SHANGRI - LA DUBAI HOT DUBAI. AE 97.45550.00
[email protected]
19 Nov 12 18 Nov 12 PAYMENT - THANK YOU 1,052.00CR24 Nov 12 22
Nov 12 AVIS DUBLIN APT T1&2 18945887IE2 IE 128.66
154.07 [email protected] Nov 12 23 Nov 12 AVIS DUBLIN APT T1&2
18980694IE5 IE 128.66
154.07 [email protected] Nov 12 26 Nov 12 WWW.MILITARY1ST.CO.UK
INTERNET 287.8903 Dec 12 01 Dec 12 EXPEDIA.CO.UK PARIS FR 193.8605
Dec 12 01 Dec 12 JOHNCRADDOCKLTD.CO 01543 460180 225.5908 Dec 12 07
Dec 12 TOP PART SLIGO CO SLIG IE 64.08
77.00 [email protected]
Interest free period Up to 56 days for Purchases if you pay your
whole balance in full and on time.
Interest charging information
Interest is charged from the date transactions are applied to
your account until payment is received (unless the interest free
period applies). 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.
Allocation of payments
Your payment is allocated in the following order: Cash Advances
Purchases and standard rate Balance Transfers Promotional rate
Purchases and Balance Transfers (full details are set out in your
Terms and Conditions).
Minimum monthly repayment
For Credit Card agreements made before 23 March 2011 5 or 2.5%
of the balance, whichever is higher, or if less than 5, your
statement balance.For Credit Card agreements made on or after 23
March 2011 interest, default charges and any payment protection
insurance premium plus 1% of the principal, or 2.5% of the balance
or 5 whichever is higher, or if less than 5, your statement
balance.
Fees No Annual Fee
Charges Cash Advances 2.99% handling fee, minimum 3 (the Cash
Advance charge is applicable to cash withdrawals, bill payments,
purchases of foreign currency and travellers cheques, but does not
apply to Gambling transactions)
Foreign Exchange 2.99% of the amount of non-sterling
transactions
Balance Transfers 2.9% of each amount transferred minimum 5
Default charges Late Payment 12 Over Credit Limit 12 Returned
Payment 5
How your interest is chargedInterest is charged on a daily basis
from the date each transaction is applied to the account. Interest
payments therefore increase the longer the payment is delayed (even
before the monthly payment due date). However, we will not charge
interest if your statement balance is paid off in full by the
payment due date, except for on Cash Transactions (Cash Transaction
consist of Gambling, ATM and over counter transactions) and Balance
Transfers. Estimated interestThe figure shown on the front of your
statement is an indication of the interest you will be charged on
your next statement, it assumes: You pay only the minimum amount
due You pay by the due date You have no more transactions before
your next statementPlease note the interest charged will differ
from the figure shown if a change is made to your statement date or
interest rate (except for the expiry of a promotional rate).Dispute
resolutionIf you have a problem with your agreement, please try to
resolve it with us in the first instance. If you are not happy with
the way in which we handled your complaint or the result, you may
be able to complain to the Financial Ombudsman Service. If you do
not take up your problem with us first you will not be entitled to
complain to the Ombudsman. We can provide details of how to contact
the Ombudsman.Security and fraud protectionWe will never ask you
for your Security details in full. If you are asked for this
information either verbally, in writing or via email, you should
refuse and let us know immediately. If you use your Card online,
registering for Verified by Visa or MasterCard SecureCode will make
your payments more secure. For more information go to Verified by
Visa: hsbc.co.uk/verifiedbyvisa or MasterCard SecureCode:
hsbc.co.uk/securecodeIf your Card or Card details are obtained and
used without your consent you will not be liable for any resulting
fraudulent transactions. You must take all reasonable steps to
safeguard your Card and Card details.Check your statement
regularlyUnless you tell us about any transactions you do not
recognise, we will treat all transactions on the account as yours.
If you identify such a transaction, please contact us immediately
as time restrictions do apply when making a claim.*Change of
Address/Contact DetailsIf any of the address details on your
statement are incorrect or we dont have your current phone number
please contact us.*
Important information about your Credit Card account The
information set out on this statement includes a summary of some of
your Credit Card Agreement Terms. Please refer to those Terms for
full details.
How to payRemember, if payments are made using the wrong card
details, sort code or account number, they may be delayed or not
applied. Working days are any weekday other than Bank Holidays.
HSBC Bank Current Account holders ONLY Interest Calculations and
available CreditInternet Log onto internet banking at
www.hsbc.co.uk In normal circumstances payments made will be
credited
to an account within 2 hours. All payments are credited the same
working day
Phone See contact details at the bottom of page
HSBC Bank cash machine
Insert your HSBC Bank Debit Card and select the Pay Credit Card
option at any HSBC cash machine in the UK, Channel Islands or Isle
of Man. You will receive a receipt confirming your payment.
All Customers Interest Calculations and available CreditDirect
Debit Contact Us* and select to pay the full, fixed or minimum
amount due. Your payment
will be automatically deducted from your current account by your
due date each month.If the minimum payment due is more than your
fixed amount, we will claim the minimum payment. If your statement
balance is lower than your fixed amount we will only claim the
balance on your statement
Payments credited the same working day
Standing Order/bill payment
Pay a fixed amount to your HSBC Bank Credit Card using the
following information: Sort Code: 40 42 46 Account Number: (choose
applicable account number from table below) Reference: your
16-digit Credit Card number
Type of Card Card Number Begins Account Number
MasterCard: HSBC Bank and Welsh 543460 29004734
Visa: HSBC and Welsh 454638 09003649
Gold Visa 494120 69005161
Payments from other banks can take up to three working days to
reach us. Customers making a payment from a bank or building
society that is participating in the Faster Payments Service will
in normal circumstances be able to pay to your Credit Card and have
the available credit updated within 2 hours. All payments are
credited for interest calculations the same working day.
HSBC Bank branches By cash or cheque: payments to be made using
in-branch Express Banking machines. Please make cheques payable to
HSBC Bank plc followed by your 16-digit Credit Card number. A
charge may apply to payments made at banks other than HSBC
Bank.
Cash payments credited for interest calculations and available
credit updated the same working day and for cheques available
credit updated within 4 working days.
Post If youve received a payment envelope you can send us a
cheque by post. Please make cheques payable to HSBC Bank plc
followed by your 16-digit Credit Card number. Do not send cash or
post dated cheques.
Please allow at least 7 working days from posting for your
account to be credited. Available credit will be updated within 4
working days of receipt.
Overseas payments IBAN Number (International Bank Account
Number): Europe: GB15MIDL40424699009787 Outside Europe: MIDLGB22
Sort Code: 40 42 46 Account Number: 99009787 Reference: your
16-digit Credit Card number must be quoted
Dependent on international payment processing times in the
country of origin. Once received payments will be credited within 3
working days.
*How to contact usLost and Stolen 08456 007 010 or from overseas
+44 1442 422 929 lines open 24 hours a day, 7 days a week. Log on
at www.hsbc.co.uk. Customer Services 08457 404 404 text phone 18001
08457 125 563 or from overseas +44 1226 261 010 lines open 8am 10pm
7 days a week (Except Christmas Day, Boxing Day and New Years Day).
To ensure that we carry out your instructions accurately, to help
us to continually improve our service and in the interests of
security, we may monitor and/or record your communications with
us.If you are finding it difficult to make your minimum payment,
please dont hesitate to contact us to discuss.
LIT01314 MCP38544 02/11 HSBC Bank plc 2011
