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Personal Credit Card FAQs

1. How do I apply for SHBA credit card?
2. How can I find out the status of my credit card application?
3. When will I receive my card?
4. How can I make a payment to my credit card?
5. How can I get a copy of my credit card statement?
6. How can I change my address and phone number?
7. What if I think my credit card number is being fraudulently used?
8. What if I don't agree with the transaction record shown on my credit card statement?
9. What if my credit card is lost or stolen?
10. What is Late Fee?
11. What is Overlimit Fee?
12. What is Finance Charge and when does it occur?
13. What is Annual Percentage Rate(APR)?


1. How do I apply for SHBA credit card?

You can simply contact the nearest branch, or contact Consumer Lending Team at (213) 251-3017 / 3056

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2. How can I find out the status of my credit card application?

You can check the status of your application by calling us at 1-800-447-3248 or 213-251-3000.

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3. When will I receive my card?

You'll receive your card within 15 business days upon approval

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4. How can I make a payment to my credit card?

Pay by Phone
If you elect to pay by phone, please call 1-800-447-3248.

Drop off Payment
You can make payments at any Shinhan Bank America branch.

Mail Payment
To mail a payment to us please use the below mailing address:

CARD SERVICE CENTER
P.O. Box 569090
Dallas, TX 75356-9091

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5. How can I get a copy of my credit card statement?

Yes, you can re-order your statement by calling us at 1-800-447-3248.

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6. How can I change my address and phone number?

Please call 1-800-447-3248 or 1-213-251-3000

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7. What if I think my credit card number is being fraudulently used?

Please call 1-800-447-3248 or 1-213-251-3000

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8. What if I don't agree with the transaction record shown on my credit card statement?

If you believe that a credit card transaction has been posted to your account in error, you may submit a credit card dispute.

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9. What if my credit card is lost or stolen?

If your card is lost or stolen you should immediately report this to 1-800-447-3248 or 213-251-3000.

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10. What is Late Fee?

A late fee is assessed if the total minimum payment due is not received by the payment due date shown on your statement.

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11. What is Overlimit Fee?

An overlimit fee is assessed if your account balance exceeds your credit line at any time during your billing cycle.

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12. What is Finance Charge and when does it occur?

A finance charge is the sum of the interest, including transaction fees and certain service fees, on your credit card account. If you use your credit card for purchases only and pay the balance in full every month by the payment due date, then you will not pay the interest on those purchases. By paying the entire balance due, not just a part of it, you'll be taking advantage of the grace period on purchases. If you pay less than the full balance, there is no grace period at all and your entire credit card balance accrues interest.

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13. What is Annual Percentage Rate(APR)?

The annual percentage rate(APR) is the cost of credit on a yearly basis expressed as a percentage. It reflects interest rate plus any finance charges.

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