How to apply for a Hong Kong credit card?

If you want to apply for a credit card from a Hong Kong bank, you need to first hold a local bank card in Hong Kong for repayment purposes. Usually, if you want to apply for a credit card from any bank, you need to apply for an ordinary bank card from that bank.

Different from the Mainland, when applying for a Hong Kong credit card, the applicant is required to be between 23 and 48 years old, provide his or her second-generation ID card, and must hold a Hong Kong and Macau pass or passport. In Hong Kong, There is a mailing address because the bank needs to send letters (such as monthly statements, statements, payment receipts, etc.) to the account holder.

Tips for using UnionPay credit cards in Hong Kong

Swiping a card is more cost-effective than withdrawing cash. When you swipe a card to make purchases at merchants with the "UnionPay" logo in Hong Kong, you do not need to pay any handling fees, but you do need to pay when withdrawing cash from an ATM. Cardholders pay a certain handling fee (the specific charging standards can be checked with the card-issuing bank), so it is recommended that you try to pay with your card when shopping.

Remind the cashier when checking out: "Please settle through the UnionPay network"

In Hong Kong, the same merchant may have multiple acceptance networks. If different networks are used, the billing amount will be different. different. In comparison, it is more economical to use RMB cards. Therefore, when shopping with a card, it is best to remind the merchant: "Please settle through the UnionPay network."

How to apply for a Hong Kong credit card How to apply for a Hong Kong credit card

Credit card application conditions:

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1. The minimum application age specified by the bank is 18 years old, and the maximum application age is 60 years old;

2. My second-generation ID card is required;

3. Have a job Proof of income and proof of income stamped with the financial seal of the unit;

4. No bad credit record;

5. Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Materials required to apply for a credit card:

1. Applicant’s ID card;

2. Apply for the bank’s credit card application form;

3. Proof of work and income certificate stamped with the financial seal of the unit;

4. Individual private operators need an individual business license and tax returns for the past three months;

5. Others Proof of financial resources: income tax withholding voucher; copy of own property certificate; copy of own car driving license.

Credit card application process:

1. Fill in the application form;

2. Give the bank’s personal information and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center reviews, prints and issues the card;

5. After I get the card, I open it and wait for the password letter .

There is no upfront fee for applying for a Hong Kong credit card

ranging from 100-500. Hong Kong credit cards can be applied for at the same time with 4 banks (HSBC, Standard Chartered, Citigroup, Hang Seng) with a total limit of about 200,000-300,000. It takes about 20 working days to apply for all the cards. The age to apply for the card needs to be between 23-48 years old. There is no upfront fee for applying for a Hong Kong credit card, ranging from 100 to 500 yuan. The number and amount of processing will have an impact on the cost.

How to apply for a Hong Kong credit card

To apply for a Hong Kong credit card, you need to be over 18 years old and have a stable source of income. You can apply by providing your ID card and relevant supporting documents

1. Application conditions:

1. Citizens aged 18-65 years old and capable of civil conduct.

2. Have stable income and provide proof of income.

3. The personal credit report must be good and have no bad records.

4. Whether you can successfully apply for a credit card is also related to your occupation.

5. Generally speaking, a stable job is a necessary condition for successfully applying for a credit card.

6. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department, and must provide a guarantee unit that meets the guarantee conditions or have a local household registration. , a guarantor working locally.

2. Information required to apply for a credit card:

1. Identity certification materials;

2. Work and income certification materials;

3. Documents proving financial resources;

4. Educational qualifications, professional qualification certificates, self-owned real estate certificate, self-owned car driving license and other auxiliary materials.

3. Process:

1. Apply for an appointment online;

2. Three to five working days after the appointment, staff will contact you to collect information. ;

3. It takes about 7 to 10 working days for the bank system to review personal information and call back;

4. If the review is passed, it will be sent out in about 10 working days. Take out a credit card.

Is it true that to apply for a credit card in Hong Kong, you need to send your own bank card?

It’s fake, please don’t believe it.

To apply for a Hong Kong credit card, you need to have a job in Hong Kong and be able to provide your Hong Kong address.

At present, ordinary mainland Chinese residents cannot apply for a credit card in Hong Kong, unless you have assets in your name in Hong Kong, which can be done through assets and other information.

How to apply for a Hong Kong credit card

To apply for a Hong Kong credit card, you can apply for an HSBC credit card. The application requirements are as follows:

1. The principal card applicant must be at least 18 years old, a domestic resident must have a monthly salary of RMB 4,000 or more, and an overseas resident must have a monthly salary of RMB 10,000 or more;

2. Applicants for supplementary cards must be over 16 years old.

The annual fee for the main card of HSBC Lifestyle Credit Card is RMB 300, which includes a number of exclusive benefits. The annual fee for the first year will be waived after activating the card in the first year, and the annual fee for the next year will be waived after swiping the card 6 times. There is no annual fee for supplementary cards. Each customer can only apply for one set of HSBC China credit cards, and each primary cardholder can only apply for one set of supplementary cards.

Extended information:

If the HSBC Lifestyle Credit Card is illegally occupied due to loss or theft or robbery/robbery, general consumption transactions will occur due to credit card fraud within 48 hours before the official report of loss. If you suffer any capital loss caused by the card loss, you can get a lost card protection service of up to RMB 10,000.

If the HSBC Lifestyle USD Platinum Card is lost or stolen overseas, you only need to call the HSBC China Credit Card Service Hotline to get the emergency assistance services you need, including:

1. Emergency card replacement

2. Emergency cash advance

These services are provided by Mastercard. Mastercard will take a series of measures for you to prevent the old card from being used by others and ensure that the new card is timely issue, and can arrange for you to quickly obtain emergency cash advances at any of the more than 300,000 Western Union locations around the world.