HSBC Westside Classic Credit Card

24HSBC requires any clarifications, a request will be sent to theCardholder by secure E-mail through online@hsbc. In such cases,transactions will not be processed till a satisfactory response isreceived from the Cardholder.3. Balance Transfer on Internet is available only to Cardholders withmore than 3 months credit card relationship with HSBC as on thedate of application.4. All other terms and conditions as mentioned in the Credit CardServices Guide for Balance Transfer facility will be applicable unlessotherwise stated above.General Terms and Conditions for all Balance Transfers1. If the Cardholder closes his HSBC Westside Classic Credit Cardbefore all instalments have been posted, the outstanding amount willbe debited to the card account as one consolidated amount.2. Prepayment charges on foreclosure will apply at the rate of 3% on theoutstanding amount of the loan, subject to a minimum of Rs. 250.3. HSBC reserves the right to foreclose the loan and debit the entireoutstanding amount if the earlier payments are overdue.4. Payments made in excess of the Card outstanding will notautomatically be adjusted against un-billed EMIs and will hence notresult in prepayment of the Balance Transfer-on-EMI facility. Topre-close the Balance Transfer-on-EMI facility, the Cardholder shouldcontact HSBC PhoneBanking.5. Kindly note that according to the new payment hierarchy, yourpayments will first be apportioned to fees and charges, outstandingon BT, cash advances and purchase transactions in that order. So yourcash/purchase outstanding will remain unpaid so long as there is anoutstanding BT on your account.6. In case of Balance Transfer on EMI, the EMI instalments will betreated as purchase outstanding for the purpose of paymentapportionment. EMI payable towards BT-on-EMI will be set off firstbefore any payment is apportioned towards other outstanding.7. No request for change in card franchisee (VISA/MasterCard ® ) will beentertained during the entire loan period.8. No request for changes in the billing cycle shall be entertained duringthe entire loan period. The loan period is defined as the loan tenorselected by the Cardholder at the time of request.9. Nothing contained in this scheme shall be construed as an obligationon HSBC to continue the scheme after the scheme termination date.10. HSBC reserves the right at any time without previous notice to add,alter, modify, change or vary all or any of these Terms and Conditionsor to replace, wholly or in part, this scheme by another scheme,whether similar to this scheme or not, or to withdraw it altogether.11. The participants will not hold HSBC responsible for or liable for, anyactions, claims, demands, losses, damages, costs, charges, andexpenses that a participant may suffer, sustain or incur by way ofthis scheme.12. All existing guidelines/rules related to the Balance Transfer includingapproval of Balance Transfer will be applicable. In case of anycontradiction between these Terms & Conditions and the existing