HSN credit cardholders can use their card to shop at any of HSN’s online and brick-and-mortar stores and anywhere in the world that accepts MasterCard credit cards.
Additionally, you can use your HSN credit card at any of the thousands of popular restaurants in America that are part of MasterCard’s affinity program, including Cheesecake Factory, Ruth’s Chris Steak House, Outback Steakhouse, and more.
Using your HSN Credit Card for international travel
While traveling internationally, it’s easy to get caught up in cultural experiences. Some of these experiences might include shopping, sightseeing, and dining. Visiting a foreign country is exciting, but make sure you’re aware of your spending habits and don’t accidentally rack up huge charges on your credit card.
If you have an HSN Credit Card, here are some tips for making purchases while abroad. It’s also important to know what kind of exchange rate will be applied when using your HSN Credit Card overseas. The exchange rate is calculated by MasterCard or Visa and based on current market rates at the time of purchase.
Exchange rates constantly fluctuate, so it’s always best to check with your issuing bank before traveling overseas. You should also contact your bank if you plan on traveling outside of North America or Europe; other regions may not offer as favorable exchange rates as those regions.
Buying Airline Tickets With An HSN Credit Card
Most airlines now accept credit cards for payment of flights and tickets, regardless of whether it’s an airline-branded charge card or a third-party card like an HSN Credit Card. However, some companies don’t accept non-branded cards, so always check before booking your ticket to be safe.
You can also use your HSN Credit Card to pay for other travel expenses, such as hotel stays and rental cars. You may even want to buy a travel rewards credit card if you plan on doing lots of traveling to maximize your points (and miles).
Getting cash from ATMs with an HSN Credit Card
It is easy to get cash when you need it with your HSN Credit Card. The process is similar to withdrawing money from an ATM with a debit card. You will be charged a fee for each withdrawal, depending on whether you have your Card linked to our Gold or Platinum Checking account.
This means that if you have your HSN Credit Card linked to one of these accounts, you can withdraw up to $500 per day at no charge. If you have your Card related to another checking account, there is a $2.50 fee for each withdrawal up to $250.00 per day and a $5.00 fee for any withdrawals over $250 per day.
A 3% foreign transaction fee is added to all transactions made outside of the United States regardless of what type of checking account you have linked to your HSN Credit Card.
Even though you don’t see your cashier after clicking buy, you’re still giving your money to a business. The difference between shopping online and in-store is that you have some recourse with most retailers if things go wrong.
Many companies offer customer service numbers and even live chat windows on their website; it’s good to know how to reach out if you’re unhappy with something.
In the case of an unsatisfactory purchase, it’s always possible to return the item. Just follow all return policies before sending anything back, or you could end up with gift cards or store credits instead of cash refunds.
Entertainment at home
HSN Credit Card purchases are welcome at more than 40,000 merchants nationwide, including AMC Theatres®, Barnes & Noble®, Borders®, Chili’s® Grill & Bar, Regal Entertainment Group®, and Neiman Marcus®. Just look for these logos at participating stores to find what you need.
Get ready to spend your way through spring! With Valentine’s Day coming up on Feb. 14, now is a great time to buy that special someone something memorable—with extra savings thanks to your card. And don’t forget about Mother’s Day in May.
Purchasing Gas At The Pump
It’s easy to forget about fuel purchases until you pay your statement. Your purchase is a variable-interest-rate loan that accrues interest over time, and if you don’t pay it off in full every month, interest will be added to your balance each month.
The only way to avoid getting hit with several extra charges for gas is to set up automatic payments for at least 100 percent of your balance. If you don’t have enough cash to cover all of your bills, consider setting up an auto-debit arrangement for just one or two payments—that way, you won’t get stuck paying late fees or incurring other penalties.
When you drop your car off at a repair shop, you may be given a choice between paying with cash or using your HSN Credit Card. If you choose to pay with your card, select Credit to create an invoice.
If you pay with your card and submit it within 90 days of purchase, most major auto shops will offer two free oil changes (for any make and model) per year for life as part of their warranty program.
Frequently Asked Questions & Answers
How Do I Activate A New HSN Credit Card?
To get started, call 1.800.933.2887 to activate your account.
What Are Some Of The Fees Associated With An HSN Credit Card?
There is no annual fee for having an HSN Credit Card; however, other fees may apply depending on how you choose to pay your balance. These include a late payment fee of up to $38 per occurrence and a returned payment fee of $25 per occurrence.
Can I Make Payments Online?
Yes! You can log in to Online Banking to view your statement, make payments or check on your available credit limit.