I need help to determine how much money HSBC makes on credit cards. HSBC is a global bank with operations in many countries, and it offers a variety of financial products and services, including credit cards. As a publicly traded company, HSBC is required to disclose its financial performance in its annual reports. Still, specific information about the profitability of its credit card business is not readily available. In general, credit card issuers make money by charging interest on unpaid balances, fees for late payments or exceeding credit limits, and by earning rewards on purchases made with the card. Credit card issuers may also make money through interchange fees, which merchants pay when a customer purchases a credit card.