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

Different from the mainland, when applying for a credit card in Hong Kong, the applicant needs to provide his second-generation ID card between the ages of 23 and 48, and must hold a Hong Kong and Macao pass or passport. In Hong Kong, the receiving address is necessary because banks need to send letters (such as monthly statements, statements, receipts and payments, etc.). ) to the account holder.

Using Skills of UnionPay Credit Card in Hong Kong

Credit card is more cost-effective than cash withdrawal. Merchants with the "UnionPay" logo in Hong Kong do not have to pay any handling fees for swiping their cards. However, at present, cardholders need to pay a certain handling fee (the specific charging standard can be inquired from the issuing bank), so it is recommended to swipe your card as much as possible when shopping.

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

In Hong Kong, the same merchant may have multiple acceptance networks, and the bill amount will be different if different networks are used. Comparatively speaking, it is more economical to use RMB cards. Therefore, when shopping by credit card, it is best to remind merchants: "Please settle the account through UnionPay network."