Why should I use Account Central?
Account Central makes it easy to check your account status, see your balance, review recent transactions, pay your bill and even email Cardmember Services. It's a great time-saver. All you have to do is sign in and your account information is instantly there. It's fast, easy, and convenient.

If you have not registered for Account Central, click here.

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How do I sign up for Account Central?
It's a snap to sign up, just:

• Click on "Register Now" under Account Central
• Fill out the easy form

Once registered, you can use Account Central immediately!

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Can I view my account anytime?
You certainly can. Anytime of the day or night. As long as you have internet access, you can sign in to Account Central 24 hours a day, 7 days a week.

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Can I pay my credit card bill at Account Central?
Yes! You can pay your account anytime of the day or night. Just sign in to Account Central and select "Make a Payment" under the "Pay My Bill" option on our secure website. Within minutes you'll have paid your bill. There are no checks to write or stamps to find and it's a free service for our cardmembers.

Payments entered by 4 PM CST during a regular business day will be credited on the same day. After 4 PM payment will be credited the next business day. Only one payment is allowed per day. Due to payment processing time your payment will not appear online for 1-2 business days.

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Is there a fee when I pay my bill online?
No, there are no costs associated with paying your bill online. It is a free service for our cardmembers.

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Can I see previous statements at Account Central?
Yes. You can review multiple months of historical statement information and charges at Account Central. It's a quick, easy way to see your spending patterns at a glance, or to examine the specific details of past statements.

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Can I download my transactions to a personal finance management software such as Quicken^® or Microsoft^® Money?
Yes, you can download your account activity to Quicken, Microsoft Money or as a comma delimited file. Sign in to Account Central to download your transactions now.

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Can I change my Account Central password?
For security purposes we recommend that you change your Account Central password on a regular basis. Sign in to Account Central and click on "Change Password" under the "Customer Assistance" option on our secure web site.

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I've forgotten my password; what do I do?
Fill out the Forgot Your Password form to access your account immediately.

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How much does Account Central cost?
Nothing. Managing your account on Account Central is a free service to our cardmembers. Take advantage of it!

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Can my Account Central information be viewed by other people?
Absolutely not. We keep all your personal information secure. When you register on Account Central, you'll create your own user name and password. This information will be used to identify you as the legal account member everytime you sign in to Account Central's secure server. And if you forget to sign out after your session, your session will automatically expire after 15 inactive minutes.

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How secure is Account Central?
Very. We use "secure session" technology established with a Secure Socket Layer (SSL). This technology protects your personal information while it is transferred over the Internet. Our servers further protect your information from others by using a firewall and industry standard encryption technologies. In addition, you have an individual user name with a secure password that only you know.

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I just received my HSBC Bank Nevada, N.A. credit card, what are my benefits?
The benefits for each type of credit card are listed below. Refer to your credit card or
Cardmember Agreement to see which card you were issued.

Standard
1. Instant buying power
2. Accepted at 28 million locations worldwide with 24-hour access to cash at more than 870,000 ATMs, banks and financial institutions
3. Optional convenience checks
4. Fraud protection for lost or stolen cards
5. Emergency card replacement within 24 hours

Gold
1. Instant buying power
2. Accepted at 28 million locations worldwide with 24-hour access to cash at more than 870,000 ATMs, banks and financial institutions
3. Optional convenience checks
4. Fraud protection for lost or stolen cards
5. Emergency card replacement within 24 hours
6. $100,000 Travel Accident Insurance coverage*
7. Purchase Assurance^® - retail protection services
8. Extended warranty protection
9. MasterTrip^® Travel Assistance Services

Platinum
1. More buying power with an increased credit line vs. standard cards
2. Accepted at 28 million locations worldwide with 24-hour access to cash at more than 870,000 ATMs, banks and financial institutions.
3. Optional convenience checks
4. Fraud protection for lost or stolen cards
5. Emergency card replacement within 24 hours
6. $500,000 Travel Accident Insurance coverage*
7. Purchase Assurance^® - retail protection services
8. Extended warranty protection
9. MasterRental^® Insurance coverage
10. MasterTrip^® Travel Assistance Services
11. Other exclusive MasterCard travel benefits

*The Travel Accident Insurance Coverage is underwritten by Federal Insurance Company, a member of the Chubb Group of Insurance Companies.

I forgot my PIN (Personal Identification Number). Can you tell me what it is?
To receive a copy of your Personal Identification Number (PIN), please sign in to Account Central and email us with your name, address and account number. A copy of your PIN number will be mailed to you.

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How do I change my PIN (Personal Identification Number)?
To change your PIN, please sign in to Account Central and email us with your name, address, account number and new PIN number. A copy of your new PIN number will be mailed to you.

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I lost my credit card. How do I report it?
Call 1 800 379-7999 as soon as you discover it missing to ensure that you will not be held liable for any fraudulent charges.

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How can I protect my account against fraud, theft and loss?
Your card is automatically protected against fraud. And with MasterCard's zero liability policy, you are not liable for any fraudulent transactions. To report a lost or stolen card, please call 1 800 379-7999 right away. A variety of optional credit card protection plans are also available. Learn more about these card enhancements.

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How do I get additional cards for family members?
Sign in to Account Central then click on "Request Additional Card" under the "Account Services" option to request more cards. We'll issue additional cards within 7-10 business days.

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Where do I send my payments?
Did you know you can pay your bill online? Just sign in to Account Central and click on "Make A Payment" under the "Pay My Bill" option. This is a free and convenient service for our cardmembers.

If you prefer to mail your payment send to:

HSBC Bank Nevada, N.A.
Attn: Payment Processing
8020 Corporate Drive
Baltimore, MD 21236

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Who do I contact concerning billing inquiries?
Sign in to Account Central. For billing inquiries, click on "Email Us" to send a secure email. For transaction disputes, click on "Dispute Transaction" under the "Customer Assistance" option to fill out a dispute form.

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