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Please click on any of the questions below to get Help.

What is the APR of the PCS Platinum MasterCard?
What is the balance transfer rate of the PCS Platinum MasterCard?
Will I have to pay interest every month?
What's the best way to apply?
Need Help applying online?
What happens from the moment that I apply online?
When can I apply online?
Is applying online safe and secure?
When will I receive my card?
Can I still apply if I live overseas?
Can I request a specific credit limit?
Can I transfer balances from other cards I hold?

What is the APR of the PCS Platinum MasterCard?
Typical 12.9% APR variable.
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What is the balance transfer rate of the PCS Platinum MasterCard?
It's 0% per annum on balance transfers fixed for six months from account opening (a 2% fee applies, minimum £5).
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Will I have to pay interest every month?
That depends on how much you owe at the end of each month. You can get up to 56 days interest free credit on purchases if you do choose to pay off your balance in full. Our cardholders can also benefit from a special rate for Balance Transfers of 0% per annum fixed for 6 months from the date of account opening (a 2% fee applies, minimum £5). Typical 12.9% APR variable. For Purchases and Balance Transfers the rate is 1.019% per month variable. The rate for Cash Advances is 1.805% per month variable. Please note that there is no interest-free period on Balance Transfers after the introductory offer period, or other Cash Advances.
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What's the best way to apply?
Applying online is the quickest and easiest way. You can do it here and now whatever the time of day or night. Alternatively, call 0800 015 2204 to apply over the telephone.
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Need Help applying online?
We all know that from time to time the Internet can be complex and strange messages may appear on your screen. We have done everything we possibly can to ensure that our website is presented to you in a simple and easy to use fashion.

Occasionally, you may experience the odd problem. If, for example, you are presented with a blank screen, or a screen that appears to be missing some graphics or words, this may be because what we're sending to your PC has not arrived properly. Don't worry about this - any information you have already supplied to us will have been encrypted and therefore no one else can intercept it. If you are sure your screen has finished loading and it is still blank or looks wrong, please return to our Homepage and apply again. We're sorry for this inconvenience. Thanks for your understanding.
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What happens from the moment that I apply online?

1. You will receive an online decision within 60 seconds of submitting your application.
2. Once accepted, written confirmation will be on its way to you through the post within the next few days. When you get this please sign and return it.
3. We'll then order your card and set up your account.
4. Your welcome letter will arrive along with your card user guide.
5. Your Internet user guide and password will follow.
6. You'll then receive your PIN, along with information about using it.
7. Finally, you'll receive your card along with your credit limit and terms and conditions.

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When can I apply online?
You can apply for your Card online, any time of the day or night. However, we do have to shut down part of our systems once a week for maintenance, but we've tried to keep this to off peak times. Even when this does happen we can still take your application, and we'll get back to you with a decision as soon as our systems are available again.
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Is applying online safe and secure?
Yes. All online applications are encrypted using the latest 128-bit encryption technology provided your browser supports it. All version 4 or later browsers support 128-bit encryption. That means all your personal details are fully encoded. You can rest assured that everything on your application is confidential and cannot be intercepted and read by unauthorised people.
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When will I receive my card?
Within 10 days of us receiving your signed Credit Agreement.
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Can I still apply if I live overseas?
The PCS Platinum MasterCard is only available to residents of the UK excluding the Channel Islands. At this time we do not have any plans to offer MasterCards outside of these areas.
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Can I request a specific credit limit?
We will automatically set a credit limit for your account and this will be advised to you when we send you your card. The maximum credit limit is subject to status. We will endeavour to match any existing credit limit that you have on other cards. If you would like us to consider this, please send us a copy of your existing card statement when you return the signed Agreement to us.
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Can I transfer balances from other cards I hold?
You can easily transfer balances from your other credit cards by calling our Balance Transfer Team on 0870 240 0990 once you have received your card. A 2% fee applies (minimum £5). The balance transfer offer does not apply to balances transferred from credit and store cards issued by members of the HSBC Group. HSBC Group means HSBC Holdings plc, its subsidiaries, associated and affiliated companies and includes first direct.
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