New Card FAQs

About HSBC

• Who issues the Union Plus Credit Card?

  The Union Plus Credit Card is issued by HSBC Bank Nevada, N.A. and serviced by HSBC Card Services Inc., members of the HSBC Group. HSBC Bank Nevada, N.A. is one of the nation's top ten issuers of MasterCard® credit cards. HSBC Group is one of the largest banking and financial services organizations in the world.

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Application

• Is there an Annual Fee on the Union Plus Credit Card?

  There is no Annual Fee for the Union Plus Credit Card; however, there is an Annual Fee for the Union Plus Secured MasterCard.

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Approval

• Am I guaranteed to receive a Union Plus Credit Card if I apply?

  No, by applying for a Union Plus Credit Card, you authorize HSBC to obtain a current credit bureau report and to verify the information provided on your application. Approval is pending HSBC's review of the information of your credit bureau and other information. Please be advised your union has no involvement in credit decisions.

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• How long will it take to receive my Union Plus Credit Card?

  Once approved, you will receive your card in 7-10 days

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• Can I have more than one Union Plus Credit Card account?

  Yes, if you are eligible, you may apply for a second Union Plus Credit Card. Call 1-800-622-2580 for more details.

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Qualifying

• Do I have to be a resident of the U. S. to have a Union Plus Credit Card?

  Only U.S. residents, over 18 are eligible to apply.

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• Who can apply for a Union Plus Credit Card?

  In order to apply for a Union Plus Credit Card, you must be a current union member in good standing, a retired union member, a family member of a current union member, or a member of Working America who resides in the United States or one of its territories and at least the age of majority in your state.

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Rate Information

• What is a variable rate?

  A variable rate is a rate that can change based on the Index. In the case of the Union Plus Credit Card, the Prime Rate is the Index used. We use the highest Prime Rate published in The Wall Street Journal in the month prior to the month in which the billing cycle ends.

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• Can the Prime Rate increase or decrease?

  Yes, the Prime Rate may increase or decrease.

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• If the Prime Rate should increase or decrease, when does it affect my Account?

  The Union Plus Credit Card uses the highest Prime Rate published in The Wall Street Journal in the month prior to the month in which the billing cycle ends. If the Prime Rate should increase or decrease, the annual percentage rate changes will take effect with the billing cycle that ends on or after the first day of the month following the Prime Rate change.

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Card Security

• Card Security

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Secured Card and Other Card Products

• About Union Plus Visa Classic Credit Card

  The Union Plus Visa Classic Credit Card offers Auto Rental Insurance free of charge. This benefit is in addition to 100% fraud protection, no annual fee, and funding toward the Union Plus Scholarship Program.

  To file a claim or for more information on this service, call the Visa Program Administrator, 24 hours a day, 365 days a year at 1-800-VISA-911.

  Certain restrictions, exclusions and limitations apply and benefits may not be available in every state.

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• About Union Plus Visa Gold Credit Card

  The Union Plus Visa Gold Credit Card offers the Security Protection Package with Auto Rental Insurance, Travel and Emergency Assistance, and purchase protection benefits you can access as a preferred cardmember. These benefits are yours automatically in addition to the standard, Classic Card benefits. Gold Visa benefits include the following*:

  • Auto Rental Collision Damage Waiver Program - Reimbursement for the repair or replacement of covered losses to a rental vehicle
  • Travel and Emergency Assistance Services - Emergency Message Service, Medical Referral Service, Legal Referral Assistance, Transportation Assistance, Ticket Replacement, Lost Luggage Service, Translation Service, Prescription Assistance and Pre-Trip Assistance
  • Warranty Manager Service - Extended warranty protection for up to five years from the date of product purchase

  To file a claim or for more information on any of these services, call the Visa Program Administrator, 24 hours a day, 365 days a year at 1-800-VISA-911.

  *Certain restrictions, exclusions and limitations apply and benefits may not be available in every state.

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• About Union Plus Visa Platinum Credit Card

  The Union Plus Visa Platinum Credit Card offers a minimum $5,000 credit line for all the purchasing power you need. The Union Plus Visa Platinum Credit Card offers the Security Protection Package with Auto Rental Insurance, Travel and Emergency Assistance, and purchase protection benefits you can access as a preferred cardmember. These benefits are yours automatically in addition to the standard, Classic Card benefits. Platinum Visa benefits include the following*:

  • Auto Rental Collision Damage Waiver Program - Reimbursement for the repair or replacement of covered losses to a rental vehicle
  • Travel and Emergency Assistance Services - Emergency Message Service, Medical Referral Service, Legal Referral Assistance, Transportation Assistance, Ticket Replacement, Lost Luggage Service, Translation Service, Prescription Assistance and Pre-Trip Assistance
  • Warranty Manager Service - Extended warranty protection for up to five years from the date of product purchase

  To file a claim or for more information on any of these services, call the Visa Program Administrator, 24 hours a day, 365 days a year at 1-800-VISA-911.

  Certain restrictions, exclusions and limitations apply and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with VISA or HSBC Bank Nevada, N.A.

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• About Union Plus Platinum MasterCard® Credit Card

  The Union Plus Platinum MasterCard Card offers Triple Plus Features® including extensive travel, insurance, and retail protection services that you can access as a Platinum Cardmember. These benefits are yours automatically in addition to the standard Classic Card benefits. These Platinum MasterCard benefits include the following:

  • Price Protection -If you find a lower price within 60 days of purchase, you'll receive a refund for the difference
  • Purchase Assurance -Insurance for damaged and stolen card purchases within 90 days of purchase
  • MasterRental® Insurance Coverage -Auto rental insurance when a car is rented for 15 consecutive days or less
  • Master RoadAssist® Roadside Service -Emergency road service at pre-negotiated rates
  • Travel Assistance Services -Travel Assistance, Travel Services Medical Assistance, and Legal Referral Service benefits for traveling 50 miles or more from home MasterCard Global Service™-Lost/Stolen Reporting, Emergency Card Replacement, Emergency Cash Advance benefits

  To file a claim or for more information on any of these services, call the MasterCard Assistance Center at 1-800-MC-ASSIST.

  * Certain restrictions, exclusions and limitations apply and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with MasterCard or HSBC Bank Nevada, N.A.

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• About the Union Plus Ultra Platinum MasterCard Card

  The Union Plus Ultra Platinum MasterCard Card offers Triple Plus features including the most extensive benefits a Cardmember can receive. In addition to the Platinum benefits, Ultra Platinum Cardmembers also receive:

  • Highest Credit Limits -Ultra Platinum Cardmembers receive the highest credit limits available to Union Plus Cardmembers.
  • Refund Guarantee -If you become dissatisfied with a product within 60 days of purchase and the merchant will not accept a return, you may receive up to $250 per product.

  To file a claim or for more information on any of these services, call the MasterCard Assistance Center at 1-800-MC-ASSIST.

  * Certain restrictions, exclusions and limitations apply and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with MasterCard or HSBC Bank Nevada, N.A.

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• About the Union Plus Secured MasterCard

  The Union Plus Secured MasterCard can help members establish or re-establish credit. The card is granted to approved members who make a deposit into an interest-bearing savings account. After 18 months of on-time payments, the account will be reviewed to determine if you qualify for an unsecured Union Plus Credit Card. To request an application, call 1-800-651-5108. Here are the unique benefits of the Union Plus Secured MasterCard:

  • No application fees
  • Competitive 18% Fixed APR
  • Low $20 Annual Fee
  • Can help build or repair your credit record
  • $250 minimum/$5,000 maximum credit line
  • After 18 months of on-time payments, account will be reviewed for an unsecured Union Plus Credit Card
  • 25 day grace period on new credit card purchases
  • Strike Payment Protection
  • ATM cash access
  • 100% of credit line guaranteed by a Savings Account
  • Available to customers in the United States, Guam, Puerto Rico and Virgin Islands

  Savings Account Information:

  
  

  1. The Savings Account is maintained at Intermountain Community Bank, a division of Panhandle State Bank. Withdrawals are not permitted because the savings account balance is the security deposit.

  2. Interest is credited annually on December 31 of each year to the savings account.

  3. You will receive an annual savings account statement in January after the savings account interest is posted. Intermountain Community Bank, a division of Panhandle State Bank, provides the statement.

  4. You will receive a 1099 form to report the interest earned each year to the IRS on the savings account from Intermountain Community Bank, a division of Panhandle State Bank (you will only receive this if interest earned is more than $10).

  5. The interest rate and Annual Percentage Yield may change at any time without notice just like most savings accounts.

  
  

  The credit line on the Union Plus Secured MasterCard account is equal to the savings deposit, less the yearly accrued interest. Credit Line Increases: You may request a credit line increase at any time on your Union Plus Secured MasterCard. To do so, we require a deposit to your savings account. You must mail a check payable to Union Plus Secured MasterCard for at least $100 and in increments of $100 to increase your credit line. Your Union Plus Credit Card number must be on the check memo line (e.g., "CLI/ACCOUNT #"). The checks are sent to Intermountain Community Bank, a division of Panhandle State Bank. Once the check has been processed, we will increase your credit line. The new credit line will appear on your statement provided there are no issues collecting the funds. Credit Line Increase or Written Inquiry Address: Union Plus Secured MasterCard PO Box 98722 Las Vegas, NV 89193-8722.

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• About Union Plus Travel Corporate Credit Card

  You can promote union identity with the Union Plus Travel Corporate Card, a MasterCard Corporate Card especially for union leaders to use while conducting union business. The customized program provides great services and benefits with security and convenience at no additional cost. For an application, please call 1-888-428-6466.

  • No Annual Fee
  • Receive and pay one consolidated bill for all charges made by your individual Cardmembers
  • Five comprehensive Standard Monthly Management Reports to help you evaluate your business travel and entertainment expenses
  • A detailed Program Administrator Guide provides important information and helpful tools for administering the program
  • Cardmembers can call our specially-trained Customer Service Team toll-free 24 hours a day, seven days a week for assistance with accounts
  • Free Travel Assistance Services*
  • $250,000 Automatic Travel Accident Insurance*
  • 500/$1,250 Automatic Baggage Reimbursement Insurance*

  * Certain restrictions, exclusions and limitations apply and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with MasterCard or HSBC Bank Nevada, N.A.

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Cardmember Benefits and Other Information

• What is the Skip Payment Privilege?

  Skip Payment Privilege is a special benefit negotiated for Union Plus Cardmembers. You may skip up to two payments during a 12 month period. Your account must be current in order to use a skip payment. While your account will not go past due during a skip payment month, periodic finance charges will continue to accrue. To find out if you qualify to skip this month's payment, please call Customer Care at 1-800-622-2580.

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• Will the Union Plus Credit Card help me if I am on strike?

  STRIKE SKIP PAYMENT BENEFIT is reserved for union members of eligible unions only.
  
  If you are out of work due to a union-sanctioned strike or lock-out for 30 days or more, you may have four Strike Payment skip payments during a 12 month period, as long as your union membership and your Union Plus Credit Card Account are in good standing. Skip Payment Privilege and Strike Payment Protection may not be used more than 3 consecutive months before a payment is required. The Union Plus Credit Card is the only credit card that offers Strike Payment Protection. Periodic Finance charges continue to accrue, but your account does not become delinquent during a Strike Skip payment month and your credit rating is not adversely affected. If you should ever need to take advantage of the Strike Payment Protection benefit, simply call a Customer Care representative at 1-800-622-2580.
  
  Please note: Union family member cardmembers are not eligible for Strike Payment Protection and may not be eligible for certain union benefits.

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