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Household Bank Platinum MasterCards®Quick Summary:
This MasterCard offer is issued by HSBC Bank. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 15.99%* Variable*.Important Rates:
There is an introductory APR of 0.00% for 6 Months*. There is also a balance transfer offer APR of 0.00% for 6 Months*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate.
There is no annual fee for this card.* Be advised that although the annual fee is listed as $0, there is a higher annual fee of $79 that exists for this card. This normally exists for "first year no annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details below or terms and conditions from the application for more information. Rewards:
This is not a rewards card. Although the APR is 15.99%* Variable* and there are no rewards, you may want to consider that this card does not* have a annual fee. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. The recommendation made by the card issuer is broad, currently between 700-850. Other Basics:
The grace period listed for the Household Bank Platinum MasterCards® is at least 25 days*. So interest charges will not be applied during those days. This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment. Approval Rate:
There were 7 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 86% of those applicants were approved.
The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 700, then your chance of approval may be even greater. Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved. Offer Details:
- 0% Introductory APR for 6 months on purchases and balance transfers, for qualified applicants*
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
| APR | 15.99%* Variable* | | Avg. APR | 14%** | | Annual Fee | $0* | | Avg. Annual Fee | $11.63** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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