Mainland immigrants who owe online loans to China and Hong Kong can apply for credit cards. According to relevant public information, if the applicant has a stable income source in China Mainland and Hong Kong, and has a good credit record in China Mainland and Hong Kong, the chances of applying for a credit card will be even greater. China and Hongkong are located in the south of China, east of the Pearl River Estuary, facing China and Macau across the sea in the west, Shenzhen in the north and Wanshan Islands in Zhuhai in the south. The regional scope includes Hong Kong Island, Kowloon, New Territories and 262 surrounding islands.